Introduction
Thinking of buying a home in Florida or renewing your home insurance? Then you’ve probably come across two key terms: wind mitigation inspection and 4 point inspection. While they sound technical, they’re actually vital tools that can protect your home and help you save on insurance.
Florida is no stranger to hurricanes, flooding, and extreme weather. That’s why insurance companies often require these inspections before offering coverage—especially for older homes. But beyond insurance, they give you peace of mind by making sure your property is safe and up to code.
Let’s break down the differences, what’s included, and why you might need both.
What Is a Wind Mitigation Inspection?
A wind mitigation inspection evaluates how resistant your home is to high winds, especially during hurricanes. Inspectors look for features that help reduce damage, like:
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Roof shape and materials
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Roof-to-wall connections
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Storm shutters or impact-resistant windows
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Secondary water barriers under roofing
Why it matters: These features can earn you discounts on your home insurance—sometimes saving hundreds per year.
What Is a 4 Point Inspection?
A 4 point inspection focuses on four major systems in your home:
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Electrical system
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Plumbing system
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HVAC (Heating and Air Conditioning)
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Roof condition
This type of inspection is usually required for homes over 20 years old and helps insurers determine the condition and remaining life of key systems.
Why it matters: If your home’s systems are outdated or damaged, you may be denied coverage or pay higher premiums.
When Do You Need These Inspections?
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Buying a home – You’ll likely need both.
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Renewing insurance – Wind mitigation helps reduce costs; 4 point may be required.
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Homes 20+ years old – 4 point is almost always required.
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Home improvements – Get a new wind mitigation inspection to reflect upgrades.
How Much Do They Cost?
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Wind Mitigation: $75–$150
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4 Point Inspection: $100–$175
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Bundle Deal: Many inspectors offer both for $150–$250
Each inspection typically takes 30–60 minutes, and reports are usually valid for several years.
How to Prepare for Each Inspection
Wind Mitigation Tips:
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Make attic and roof areas accessible
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Have documents about your roof, windows, and shutters ready
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Clean around entry points
4 Point Tips:
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Clear access to the electrical panel and HVAC system
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Make sure there are no active leaks or visible damage
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Prepare receipts if you’ve made upgrades
Choosing a Qualified Inspector
Make sure your inspector is:
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State licensed (Florida DBPR)
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Familiar with Florida building codes
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Experienced in both types of inspections
Check reviews or ask for referrals before hiring.
How These Reports Affect Your Insurance
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Submit the inspection reports to your insurance provider.
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You could qualify for wind mitigation discounts right away.
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If the 4 point inspection finds issues, you may need to make repairs before getting coverage.
Conclusion
Whether you’re buying a new home, renewing insurance, or just want peace of mind wind mitigation inspections and 4 point inspections are essential in Florida.
Wind mitigation can lower your premiums by proving your home is storm-ready, while a 4 point inspection ensures your home’s core systems are in safe, working condition.
Together, they keep your home secure and help you save money. So don’t wait—book your inspections today and stay protected all year round.
FAQs
1. How long are these inspections valid?
Wind mitigation reports are valid for 5 years. 4 point reports may need to be updated during policy renewal.
2. Can I do them myself?
No. They must be performed by a licensed Florida inspector.
3. Will these inspections uncover all issues?
No. They focus on specific elements. Consider a full home inspection for a complete overview.
4. Can I get insurance without these inspections?
Sometimes—but without them, you may pay higher rates or get denied coverage.
5. Do I need both inspections?
Often, yes—especially if your home is 20+ years old and you want to lower your premium.
