Research study
Wind mitigation credits: what a rated garage door is worth on a premium
Florida law requires insurers to discount for opening protection. The form that decides it treats garage doors in a way few guides explain.
Written by HyreGarage Research Desk Primary-source research and statutory analysis
Audited by HyreGarage Research Desk Citation, form text and retrieval-date audit
The finding
Only an impact-rated garage door gets the top credit. Florida Statutes § 627.0629 requires insurers to discount for opening protection.
Florida’s mitigation form, OIR-B1-1802, puts a pressure-rated door (ANSI/DASMA 108) at Level D, which lands the house at A.2. Only “ANSI/DASMA 115,” the impact standard, reaches A.1. We found no dollar amounts: floir.com and floir.gov were unreachable (2026-09-06).
What did we find?
Florida Statutes § 627.0629 requires insurance rate filings to include credits for features that reduce windstorm loss. Opening protection (covering or rating windows and doors) is one of them.
Form OIR-B1-1802 lists garage doors under both Glazed (with glass) and Non-Glazed Openings.
It counts as a glazed opening, and the whole house is scored on the weakest glazed opening.
For doors without windows, Level D covers “compliance with ASTM E 330, ANSI/DASMA 108 or PA/TAS 202 for wind pressure resistance.” That is pressure, not impact. Level A is named as “For Garage Doors Only: ANSI/DASMA 115.”
Credit amounts sit in insurer rate filings. floir.com and floir.gov did not respond to us.
What does this page cover, and what doesn’t it?
Only Florida’s form. That is a narrower claim than it might look.
The Uniform Mitigation Verification Inspection Form is a Florida form adopted by Florida rule. Other hurricane states handle mitigation credits differently or not at all, and we have not compiled them.
Each insurer sets the size of its discount in its rate filing. floir.com and floir.gov did not respond to us, so we read none. A percentage quoted without naming the insurer and filing is not a figure you can rely on.
We worked from OIR-B1-1802 (Rev. 01/12), adopted by Rule 69O-170.0155, as published by Citizens Property Insurance Corporation. Confirm the current version before an inspection. An inspection on an out-of-date form is wasted.
What your policy does with a completed form is between you, your agent and your insurer. We describe what the form asks and what the law requires. We do not predict your outcome.
An impact-rated door exists so the largest opening in the house survives a debris strike. The premium credit follows from that. It is not the purpose.
Both are sold commercially. We know what each is for (pressure and impact) because the form says so. We reproduce no test procedure or pass criterion from either.
Is the wind mitigation discount required by law?
Yes. Many homeowners treat a mitigation credit as something to negotiate. It is something you claim.
Florida Statutes § 627.0629 governs home insurance rate filings. It requires discounts for homes with “fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm.”
The statute lists the categories: wind uplift prevention, roof strength, roof covering performance, roof-to-wall strength, wall-to-floor-to-foundation strength, opening protection, and window, door and skylight strength.
Insurers must include “[c]redits, discounts, or other rate differentials, or appropriate reductions in deductibles, for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code.”
Section 627.711 adds a duty to tell you. An insurer must “clearly notify the applicant or policyholder” of the discounts “at the time of the issuance of the policy and at each renewal.” The section we retrieved shows amendments up to s. 18, ch. 2025-4, so it is current, recently changed law.
HyreGarage analysis: together, the two sections mean the discount exists by law and your insurer must tell you about it. But proving you qualify is up to you, through a form a qualified inspector completes. That is why it pays to understand the form before you buy a door, not after.
What does each protection level mean for a garage door?
The Opening Protection Level Chart is the table at question 7 of the form. The inspector marks the protection used on each type of opening, then answers on the weakest. The right-hand column is ours: what each level means for a garage door.
| Level | Form text, verbatim | What it means for a garage door |
|---|---|---|
| A | Verified cyclic pressure & large missile (9-lb for windows doors/4.5 lb for skylights) | Reachable by a garage door — the form names the standard: “For Garage Doors Only: ANSI/DASMA 115.” |
| B | Verified cyclic pressure & large missile (4-8 lb for windows doors/2 lb for skylights) | The lower impact tier. Same idea, smaller missile. |
| C | Verified plywood/OSB meeting Table 1609.1.2 of the FBC 2007 | Panels. Applies where openings are covered rather than rated. |
| D | Verified Non-Glazed Entry or Garage doors indicating compliance with ASTM E 330, ANSI/DASMA 108, or PA/TAS 202 for wind pressure resistance | Exists only for non-glazed entry and garage doors, and it is pressure only. This is where a “wind-rated” garage door with no impact rating lands. |
| N | Opening Protection products that appear to be A or B but are not verified / Other protective coverings that cannot be identified as A, B, or C | The documentation failure. A product that may well be compliant, without the paperwork to show it. |
| X | No Windborne Debris Protection | A glazed opening at X takes the entire house to answer X. |
The instruction continues: “Check only one answer below (A thru X), based on the weakest form of protection (lowest row) for any of the Glazed openings and indicate the weakest form of protection (lowest row) for Non-Glazed openings.”
Quoted from OIR-B1-1802 (Rev. 01/12). Glazed columns: Windows or Entry Doors, Garage Doors, Skylights. Non-glazed columns: Glass Block, Entry Doors, Garage Doors. The instruction: “Place an ‘X’ in each row to identify all forms of protection in use for each opening type.”
How does the garage door change your sub-level?
It decides it. After the letter answer for glazed openings, the inspector records a sub-level based on the non-glazed ones. Here is what the garage door does to answer A, the best glazed result.
| Answer | Form text, verbatim | What puts you here |
|---|---|---|
| A.1 | All Non-Glazed openings classified as A in the table above, or no Non-Glazed openings exist | The top of the form. Requires the garage door itself to be at Level A — impact-rated to ANSI/DASMA 115. |
| A.2 | One or More Non-Glazed openings classified as Level D in the table above, and no Non-Glazed openings classified as Level B, C, N, or X in the table above | Where a pressure-rated-only garage door puts you. Every glazed opening is impact protected; the garage door is rated for pressure and not for impact. |
| A.3 | One or More Non-Glazed Openings is classified as Level B, C, N, or X in the table above | The garage door has no verified rating at all, and it drags the sub-level down even though every window is protected. |
The same split repeats under answers B, C and N: B.1 needs all non-glazed openings at A or B; C.1 at A, B or C; N.1 at A, B, C or N. Each time, the middle option (.2) comes from a Level D non-glazed opening: a garage door rated for pressure, not impact.
What is the difference between ANSI/DASMA 108 and 115?
108 is a pressure test; 115 is an impact test. Put simply: “wind rated garage door” usually means pressure, and pressure alone does not get you to the top of the form.
The form is unusually clear. Level D is “Verified Non-Glazed Entry or Garage doors indicating compliance with ASTM E 330, ANSI/DASMA 108, or PA/TAS 202 for wind pressure resistance.” Those three standards test whether the door holds a load without failing, with wind pushing it in or pulling it out.
Level A uses a different family of tests, for “Cyclic Pressure and Large Missile Impact”: Miami-Dade PA 201, 202 and 203; Florida Building Code TAS 201, 202 and 203; ASTM E 1886 and ASTM E 1996; SSTD 12. Then, on its own line: “For Garage Doors Only: ANSI/DASMA 115.”
HyreGarage analysis: a door can hold huge pressure and still be pierced by a two-by-four flying at storm speed. Once pierced, the building is breached and wind pressurizes it from inside, however much load the panel could carry. The form reflects that. Level D earns a real credit, but a smaller one, for engineering reasons.
If you are buying a door in a wind-borne debris region, ask one question in writing before you order: does this door carry ANSI/DASMA 115, or only ANSI/DASMA 108? Both are legitimate. They are not interchangeable, they do not cost the same, and only one reaches A.1.
There is a second trap in the same chart. If your garage door has a row of windows, a very common style, it is not a non-glazed opening. It moves to the glazed column, where Level D does not exist and the whole house is scored on the weakest glazed opening.
A decorative window row can turn your garage door from a sub-level question into an all-or-nothing one. For how these zones and ratings are set, see garage doors and the hurricane code.
What else about the form matters?
How long it lasts, who can sign it, and what counts as proof. Quoted or closely drawn from OIR-B1-1802 and Florida Statutes § 627.711.
It is valid for five years
The form says: “This verification form is valid for up to five (5) years provided no material changes have been made to the structure or inaccuracies found on the form.”
Replacing a garage door is a material change to a scored opening. That cuts both ways, and it is a reason to re-inspect after an upgrade rather than wait.
Only certain people can sign it
§ 627.711(2) lists them, and the form repeats the list: a licensed home inspector with approved hurricane mitigation training and a proficiency exam, a certified building code inspector, a licensed general, building or residential contractor, a licensed professional engineer, or a licensed professional architect.
The signer must have been there
Under § 627.711, signers must “inspect the structures referenced by the form personally.” A licensed professional may authorize qualified direct employees to inspect. A form signed by someone who never saw the building is not valid.
A false form is a crime
§ 627.711 says a person “who knowingly provides or utters a false or fraudulent mitigation verification form with the intent to obtain or receive a discount” commits a first-degree misdemeanor. Inspectors who commit fraud face discipline. Do not be optimistic on this form.
The insurer can check
Insurers may require independent verification of a form at their own expense. Citizens Property Insurance need not re-inspect where a form was pre-approved through an authorized quality assurance program.
Verified means documented
Level N exists for “products that appear to be A or B but are not verified” and “[o]ther protective coverings that cannot be identified as A, B, or C.” A compliant door with lost paperwork is scored as if it were not compliant. Keep a photo of the label and the product approval number.
What should you do to get the credit?
Do these in order. The first two are free. The third decides the outcome.
Windows in the panels move it from the non-glazed column to the glazed column, where the whole house is scored on the weakest glazed opening. That changes what you need to ask about it.
Look for ANSI/DASMA 115 (impact) and for ANSI/DASMA 108, ASTM E 330 or PA/TAS 202 (pressure). Photograph the label. Note any Florida Product Approval number: the product approval register is public and covers specific sizes and setups.
“Does this door carry ANSI/DASMA 115?” is a different question from “is it wind rated?” Only the first one separates A.1 from A.2. Get the answer on the quote, not in conversation. Our quote-check tool flags quotes that name no standard.
A home inspector with the mitigation training and proficiency exam, a building code inspector, a licensed contractor, an engineer or an architect. Confirm the license type before booking. A form signed by anyone else does nothing.
The form is valid five years “provided no material changes have been made to the structure.” A new door is a material change. If it moved you up a sub-level, you want the new form on file, not the old one.
We publish no number on purpose. The law requires the discount; the amount comes from your insurer’s rate filing and varies. Ask them directly, and ask which form answer they applied.
What do the standards and terms on the form mean?
- ANSI/DASMA 108
- Named on the form as showing “compliance … for wind pressure resistance” for non-glazed entry and garage doors. It is the pressure test, and it earns Level D. We did not read the standard; it is sold commercially.
- ANSI/DASMA 115
- Named under Level A on its own line: “For Garage Doors Only: ANSI/DASMA 115.” It is the impact standard for garage doors and reaches the top sub-tier. The Florida Building Code route for garage door opening protection also runs through it.
- Glazed opening
- An opening with glass. The form scores all glazed openings together on the weakest: “check one answer below (A, B, C, N, or X) based upon the lowest protection level for ALL Glazed openings.” A garage door with windows is one.
- Non-glazed opening
- The form’s columns are glass block, entry doors and garage doors. These set the sub-level (.1, .2, .3), not the letter. Level D exists only for entry and garage doors in this group.
- Answer X
- “One or more Glazed openings classified and Level X in the table above.” Level X is “No Windborne Debris Protection.” One unprotected glazed opening gives this answer for the whole house.
- Uniform Mitigation Verification Inspection Form
- OIR-B1-1802, adopted by Rule 69O-170.0155. The standard form the Financial Services Commission developed under Florida Statutes § 627.711 to verify wind mitigation features. Valid up to five years unless something material changes.
What couldn’t we find out?
Any credit amount. This is what most readers want, and we do not have it. floir.com and floir.gov did not respond to us on the retrieval date, so we read no rate filing, credit table or regulator summary.
There is no percentage anywhere on this page. If someone quotes a figure for “what a wind-rated garage door saves,” ask which insurer’s filing it came from, and when.
Whether Rev. 01/12 is still the adopted version. We retrieved the form as published by Citizens Property Insurance Corporation, carrying that revision and Rule 69O-170.0155. Florida rules change. Confirm the current version with your inspector before you pay for an inspection.
Other states. Louisiana, South Carolina, Alabama, Mississippi and Texas all have wind exposure and different credit rules. Louisiana’s Department of Insurance blocked our requests (an HTTP 403 error), and we did not compile the others. Everything here is Florida.
The standards themselves. ANSI/DASMA 108 and 115 are sold commercially, and we did not buy either. We know what each is for because the form says so. We reproduce no test procedure, missile specification or pass criterion from either.
Whether the credit pays for the door. That needs the credit amount, the price gap between a DASMA 108 and a DASMA 115 door, and your premium. We hold none of the three. The engineering case for impact rating in a wind-borne debris region does not depend on the credit at all.
Questions
Does a wind-rated garage door lower my insurance in Florida?
What is the difference between ANSI/DASMA 108 and ANSI/DASMA 115?
Can my garage door stop me getting the opening protection credit?
What is answer A.1 on the wind mitigation form?
How long is a wind mitigation inspection good for?
Who can sign a Florida wind mitigation form?
What happens if my garage door is rated but I lost the paperwork?
Does a garage door with windows count as a glazed opening?
Is the insurance credit a good reason to buy an impact-rated door?
Do other states have wind mitigation credits like Florida’s?
Written and audited by
HyreGarage Research Desk
Primary-source research, data analysis and fact checking
We are not a garage door company. We read the agency file, the code record, the standards document or the public register ourselves, compute the figure from it, and publish it with the source and the date we retrieved it.
Where a number cannot be traced to a primary source, we publish the shorter page and say what we could not verify. Our own company records cover ten states; nothing national is ever derived from them.
- 10
- states our own company records cover — and the limit of any claim made from them
- 3,901
- garage door companies in the store
- 457
- license records verified against a state board
- 0
- national claims made from a ten-state store
How this desk works
- Primary sources only. Injury counts come from CPSC. Housing counts come from the Census file, not from a summary of it. Code history comes from the building commission that adopted the code. We do not cite an article that cites a source; we retrieve the source and do the arithmetic ourselves.
- Every figure carries its retrieval date. Registers change, datasets are revised and codes are amended. A number without the date it was read cannot be checked, so every study states one.
- Fact, calculation and analysis are labeled apart. A quote is a quote, a HyreGarage computation says so, and an interpretation says “HyreGarage analysis”. Presenting our reading of a dataset as something the agency stated would be the easiest way to lose the only thing this desk is for.
- Limitations go above the fold. If a figure is an upper bound, a bracket, or an association rather than a cause, that is said before the figure is quoted rather than in a footnote underneath it.
- No DIY instructions for spring, cable or track work. Those components hold enough stored energy to cause serious injury, and CPSC records the consequences. We describe what has failed and what a competent repair involves; we do not tell you how to do it.
Data as of Uniform Mitigation Verification Inspection Form OIR-B1-1802 and Florida Statutes §§ 627.0629 and 627.711, retrieved 2026-09-06. Authorship on this site is organizational: the analysis belongs to the desk rather than to a named individual, and we do not publish credentials we do not hold.
Our editorial policy sets out how we source, date and correct what we publish.
Sources & retrieval dates
Buying a door in a wind-borne debris region?
Put one question on every quote in writing: does this door carry ANSI/DASMA 115, or only ANSI/DASMA 108? That line is the difference between the top and middle sub-tier on the form.
Find a Garage Door Professional Open the wind-rating checker
HyreGarage is not a garage door company. We do not perform, supervise or warrant garage door work, and we are not an insurer, agent or adjuster. This page is research, not insurance or engineering advice, and it publishes no credit amount for any policy.