The Ultimate Guide to Wind Mitigation Inspection and 4 Point Inspection in Florida

Introduction: Protect Your Home, Lower Your Insurance

Owning a home in Florida has its perks—sunshine, beaches, and beautiful weather. But it also comes with serious risks like hurricanes, heavy rains, and aging infrastructure. That’s why wind mitigation inspections and 4 point inspections are not just optional—they’re essential. Whether you’re buying a home, renewing your homeowner’s insurance, or simply looking to protect your investment, understanding these two inspections can save you thousands of dollars and give you serious peace of mind.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is a specialized assessment of your home’s ability to withstand high winds and severe storms. In hurricane-prone areas like Florida, these inspections are not only encouraged—they can significantly reduce your insurance premiums.

Why It Matters

Florida state law requires insurance companies to offer discounts if your home has certain wind-resistant features. This means a single inspection could save you 15% to 45% on your homeowner’s insurance. That’s money back in your pocket.

What’s Evaluated During a Wind Mitigation Inspection?

Here’s what licensed inspectors will look for during the assessment:

• Roof shape – Hip roofs are more wind-resistant than gable roofs.

• Roof covering – Inspectors evaluate the material, age, and hurricane rating.

• Roof deck attachment – How well is the roof deck secured to the trusses?

• Roof-to-wall connections – Use of metal clips, straps, or toe nails.

• Secondary water resistance – A layer under the roof that prevents water intrusion.

• Opening protection – Impact-resistant doors, windows, shutters, etc.
  These features significantly reduce wind damage and lower the risk for insurers.

What Is a 4 Point Inspection?

A 4 point inspection is a type of insurance inspection that evaluates the condition of four critical systems in your home:

1. Roofing

2. Electrical system

3. Plumbing system

4. HVAC (Heating, Ventilation, and Air Conditioning)

Why It’s Required

Insurance companies often request a 4 point inspection for homes over 20 years old before issuing or renewing a policy. It helps them assess the risk of covering an older property. If any of these systems are outdated, defective, or unsafe, your policy could be denied unless repairs are made.

Wind Mitigation vs. 4 Point Inspection: What’s the Difference?

While both inspections are insurance-related, they serve completely different purposes.

In many cases, you might need both—especially if you live in an older home in a high-risk hurricane zone.

Benefits of a Wind Mitigation Inspection

✅ Lower Insurance Premiums

The biggest and most obvious benefit is the potential savings on your insurance bill. With a favorable wind mitigation report, you could see discounts up to 40%.

✅ Improved Home Resilience

Knowing your home is well-equipped to handle a storm brings peace of mind. It’s not just about saving money—it’s about keeping your family safe.

✅ Increased Property Value

Buyers are more likely to invest in a well-protected home. Wind mitigation features can be a great selling point.

Benefits of a 4 Point Inspection

✅ Meets Insurance Requirements

Without a valid 4 point inspection, your insurance provider may cancel or refuse coverage—especially for homes over 20 years old.

✅ Identifies Safety Hazards

From outdated wiring to leaky plumbing, this inspection highlights critical risks that can lead to fires, floods, or structural damage.

✅ Helps Plan Repairs

It gives you a clear picture of what needs to be fixed, helping you prioritize renovations and avoid costly surprises down the line.

What to Expect During Each Inspection

During a Wind Mitigation Inspection

Expect the inspector to climb into your attic, examine your roof, and look closely at how your home is built. They’ll also inspect windows, doors, and any hurricane shutters or reinforcements.
Duration: About 30 to 60 minutes
Cost: $75–$150 (varies by provider and location)

During a 4 Point Inspection

The inspector will check the four major systems of the home. This includes:

• Examining the electrical panel for outdated or unsafe wiring

• Checking plumbing for leaks, corrosion, and old fixtures

• Evaluating the age and condition of HVAC units

• Inspecting the roof for damage, leaks, or signs of deterioration
  Duration: 45 minutes to 1.5 hours
  Cost: $100–$200 depending on the home’s size and age

How to Prepare for These Inspections

Here are some quick tips to get ready:

• Clear access to the attic and electrical panel

• Have your roof documents ready (if re-roofed recently)

• Unlock utility closets or garages where HVAC or water heaters are located

• Remove clutter that might block access to plumbing or wiring

When Are These Inspections Required?

Who Can Perform These Inspections?

Only licensed home inspectors, general contractors, engineers, or building code officials in Florida are allowed to perform wind mitigation and 4 point inspections. Always check for certifications and ask for a sample report before hiring.

How to Choose the Right Inspection Company

Here are a few key points to consider:

• Certifications – Look for InterNACHI, ASHI, or state licenses

• Experience – Choose someone with at least 3–5 years of experience in Florida

• Google Reviews – Always check ratings and testimonials

• Turnaround Time – Ask how long it takes to get your inspection report

The Inspection Report: What You’ll Receive

After the inspection, you’ll receive a detailed report including:

• High-resolution photos

• Inspector notes and observations

• Summary of findings

• Insurance form attachments (OIR-B1-1802 for wind mitigation)
  You can send this report directly to your insurance provider to update or renew your policy.

What Happens If My Home Fails?

Don’t panic! A failed 4 point inspection or weak wind mitigation score doesn’t mean you’re doomed. Most insurance companies allow time for you to make repairs and schedule a follow-up inspection.

Common Fixes:

• Replacing old plumbing or water heaters

• Updating electrical panels or wiring

• Roof repairs or replacement

• Installing hurricane shutters or roof straps

Real-Life Example: How One Homeowner Saved $800 Annually

Maria, a homeowner in Tampa, had a 15-year-old home. After completing both a wind mitigation inspection and a 4 point inspection, she received:

• $600/year off her home insurance

• Approval for her policy renewal

• Peace of mind knowing her home was hurricane-ready
  Total inspection cost: $200
  Total savings in year one: $800
  ROI: ✅ Worth it!

Conclusion:

In Florida, it’s not a matter of if a storm will come—it’s when. Investing in a wind mitigation inspection and a 4 point inspection is a smart move that can help you save money, stay insured, and protect your biggest asset: your home. Don’t wait until it’s too late. Schedule your inspections today, and take control of your insurance and safety.

FAQs

Q1: Are wind mitigation inspections mandatory in Florida?
No, but they are highly recommended. They’re also necessary to qualify for insurance discounts.

Q2: Do I need a 4 point inspection if my home is under 20 years old?
Not usually. Most insurers require 4 point inspections for homes over 20 years.

Q3: Can I get both inspections done at the same time?
Yes! Many companies offer bundled services for both inspections to save you time and money.

Q4: How long are the inspection reports valid?
Wind mitigation reports are typically valid for 5 years. 4 point inspections may need to be redone if major updates occur.

Q5: How do I submit my report to my insurance provider?
Most inspectors will email you a PDF that you can forward directly to your insurance agent.