Exzeo launches WindForm Pro to help Florida insurers meet wind rules

Exzeo moved into one of Florida insurance’s busiest compliance choke points with WindForm Pro, a product built to help carriers work through the state’s latest wind-mitigation inspection requirements. The platform was made available to Florida carriers on May 5 and uses internally developed AI tools to standardize inspection-related data capture, cut manual back-and-forth, and support underwriting and risk operations in a market where mitigation evidence can affect both pricing and eligibility.

The timing lined up with a major form change. The Florida Office of Insurance Regulation said the Uniform Mitigation Verification Inspection Form, OIR-B1-1802, was updated effective April 1, 2026 after a June 2024 Residential Wind-Loss Mitigation Study by Applied Research Associates, Inc. Florida law, under Section 627.0629, requires the office to review and update wind-mitigation-related fixtures, techniques, discounts, and deductible reductions by January 1, 2025 and every five years after that. OIR also said the revised form is valid for up to five years if there are no material changes to the structure.

Citizens Property Insurance Corporation has pushed the point further. Citizens said inspections conducted on or after April 1, 2026 must use the revised form, and older forms could trigger performance violations. Citizens also said OIR approved updates to its rates and wind-loss mitigation tables effective July 1, 2026, including an average 8.8% decrease for homeowners multiperil policies statewide and an average 5.1% decrease for homeowner wind-only policies. That combination of a revised inspection form and new carrier tables has made workflow accuracy more important, not less.

For Exzeo, the launch fit a broader strategy. Exzeo Group Inc. priced its IPO in November 2025 at $21.00 per share, selling 8,000,000 shares and giving underwriters a 30-day option to buy up to 1,200,000 more. Paresh Patel serves as chairman and chief executive officer. WindForm Pro looked designed to give the company a more immediate place in Florida’s property insurance stack, where inspectors, agents, and carriers are all adjusting to new documentation standards at the same time.

The backdrop is not small. Insurance Journal reported that Florida has the nation’s largest wind-mitigation grant program and that it has delivered more than $300 million to homeowners in recent years. In that environment, a product that can keep wind forms aligned with state rules is not just another software feature. It is operational infrastructure for a market that keeps tightening around mitigation proof.