Introduction

If you’re a homeowner in Florida, chances are you’ve heard about wind mitigation inspections and 4 point inspections especially when dealing with insurance. But what are these inspections, and why do insurers insist on them?

Florida’s weather is no joke. With hurricanes, heavy rains, and strong winds knocking on our doors every year, insurers need to know how well your home is built—and how safe it really is. This article breaks down what each inspection covers, why you might need both, and how these simple checks can save you thousands in premiums and repairs.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection evaluates how well your home can resist wind damage. It’s focused mainly on your roof, doors, windows, and structural elements that reduce vulnerability to hurricanes or strong storms.

This inspection is often requested by insurance companies in Florida—and for good reason. A home with wind-resistant features is much less likely to sustain major damage during a storm, which means fewer claims for them and better coverage (and savings) for you.

Why Florida Homes Need Wind Mitigation

Let’s be real—Florida is like the frontline for hurricanes in the U.S. Strong winds and flying debris are common hazards. That’s why many insurers reward homeowners who have taken steps to harden their homes.

Not only does a wind mitigation inspection reveal how storm-ready your house is, but it’s also the first step to getting big discounts on your windstorm insurance.

Wind Mitigation Features Inspectors Look For

Here are the critical elements inspectors examine:

  • Roof Shape: Hip roofs are more aerodynamic and less prone to wind uplift than gable roofs.

  • Roof Covering: The material and how securely it’s fastened matter—newer shingles or metal roofs fare better.

  • Roof Deck Attachment: Inspectors check the spacing and type of nails or fasteners used to secure roof sheathing.

  • Roof-to-Wall Connections: Are hurricane clips or straps in place? These improve structural integrity.

  • Secondary Water Barrier: A waterproof layer under the shingles that provides extra leak protection.

  • pening Protection: Impact-rated windows, storm shutters, and reinforced garage doors are all plus points.

Benefits of Wind Mitigation Inspections

  • Save Money: Homes with strong wind-mitigation features can get up to 40% off on windstorm premiums.

  • Increase Safety: Know your home is better equipped to handle extreme weather.

  • Boost Resale Value: Buyers love homes that are storm-ready and insurance-friendly.

What Is a 4 Point Inspection?

A 4 point inspection is a focused evaluation of your home’s four major systems: roofing, electrical, plumbing, and HVAC. It’s commonly required for homes over 25 years old in Florida.

Unlike a full home inspection, which assesses everything from insulation to appliances, the 4 point inspection zeroes in on systems that pose the biggest risks to insurers.

Who Needs a 4 Point Inspection?

  • Buying a home that’s more than 25 years old

  • Renewing or switching insurance policies

  • Applying for coverage on an older property

Insurers want to know your home isn’t a liability—and outdated systems are red flags.

Detailed Breakdown of the Four Points

Roofing System

Inspectors look for:

  • Roof age and type

  • Signs of leaks or water damage

  • General condition (missing shingles, sagging)

Electrical System

This includes:

  • Wiring types (aluminum vs copper)

  • Panel brands (some are red-flagged)

  • Proper grounding and GFCI outlets

Plumbing System

Inspectors check:

  • Pipe materials (polybutylene pipes? Not good!)

  • Water heater age and condition

  • Evidence of leaks or poor repairs

HVAC System

They’ll assess:

  • System age and functionality

  • Whether there’s central heating and air

  • Leaks, rust, or inadequate performance

How to Prepare for These Inspections

Want to make your inspector’s job easier and ensure accurate results?

  • Clear access to attic, roof, electrical panel, and HVAC unit

  • Have repair receipts and permits handy

  • Fix minor visible issues (like exposed wires or roof debris)

Bonus tip: Label your breaker panel clearly to avoid delays.

How Long the Inspections Take and What They Cost

  • Wind Mitigation: 30–45 minutes | Cost: $75–$125

  • 4 Point: 45–60 minutes | Cost: $100–$150

  • Combo Deal: $150–$250 for both

Prices vary based on region and home size, but the savings often far outweigh the cost.

Choosing the Right Inspection Company

Don’t just pick anyone. Look for:

  • Florida-certified inspectors

  • Solid reviews and client testimonials

  • Experience with insurance reporting

  • Quick turnaround on inspection reports

A reliable company like Inspect Florida offers inspections tailored for Florida’s unique challenges and insurance demands.

Insurance Advantages of Getting Inspected

Here’s where it gets real—money in your pocket.

  • Insurance companies often won’t even write a policy without a 4 point inspection.

  • Homes with strong wind-mitigation features can qualify for big discounts.

  • You’ll also have stronger negotiation power during a home sale or purchase.

Conclusion

In Florida, skipping out on a wind mitigation inspection or 4 point inspection isn’t just risky—it’s expensive. These inspections aren’t about checking boxes; they’re about protecting your investment, qualifying for insurance, and ensuring your home is ready for anything Mother Nature throws at it.

So, if you’re buying a home, renewing your insurance, or just being proactive—book your inspections today. It’s a small step that could save you thousands and give you peace of mind.

FAQs

1. How often should I get a wind mitigation inspection?

Every 5 years or after major upgrades like a new roof or windows.

2. Can I use the same inspection report for multiple insurers?

Yes, most reports are valid for up to 5 years and accepted by all major carriers.

3. Is a 4 point inspection needed for condos?

Usually not, unless you’re insuring a standalone condo unit with its own systems.

4. What if my home fails an inspection?

There’s no “fail,” but you may need to upgrade certain systems to get insured.

5. Can I do these inspections myself?

Nope—only licensed professionals can issue valid reports for insurers.