Introduction

If you own a home in Florida or plan to buy one, chances are you’ve come across two important terms: wind mitigation inspection and 4 point inspection. They sound technical and maybe even a little confusing—but here’s the deal: understanding these inspections could save you thousands of dollars on your homeowner’s insurance.

Both inspections serve different purposes, but they have one thing in common—they’re critical for protecting your home and making sure you’re not overpaying for insurance. In this guide, we’ll break them down in plain English, explain why they matter in Florida, and help you figure out which one (or both) you actually need.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection is all about one thing: how well your home can stand up to strong winds, especially during hurricanes. In a storm-prone state like Florida, this inspection can make or break your insurance premiums.

What Does It Inspect?

  • Roof shape (hip roofs hold up better!)

  • Roof-to-wall connections (clips or wraps)

  • Age and material of the roof

  • Shutter systems or impact-resistant windows

  • Garage door reinforcement

  • Secondary water resistance barriers

If your home checks off enough boxes, your insurance provider may reward you with lower premiums—sometimes saving you hundreds per year.

What Is a 4 Point Inspection?

Now let’s talk about the 4 point inspection, which focuses on the four most critical systems in your home:

  1. Roof

  2. Electrical

  3. Plumbing

  4. HVAC (Heating and Cooling)

Who Needs It?

If your home is more than 20 years old, your insurance company likely requires this inspection before issuing or renewing a policy. The goal? To check if your home’s major systems are safe and functional, and not a big insurance risk.

Why Florida Homeowners Can’t Skip These Inspections

Florida is home to hurricanes, tropical storms, and wild weather. Insurance companies are on high alert here, and they want proof your home is built to withstand it.

That’s where these inspections come in. A wind mitigation inspection rewards proactive upgrades. A 4 point inspection helps ensure the basics of the home are sound.

It’s all about risk management, both for you and your insurer.

What Wind Mitigation Inspects in Detail

Roof Geometry

  • Hip roofs are stronger than gable roofs.

  • The shape can significantly reduce wind pressure on the structure.

Roof-to-Wall Connection

  • Inspectors check for metal clips, straps, or wraps that tie your roof down.

Window and Door Protection

  • Hurricane shutters, impact-resistant glass, or other forms of protection are assessed.

Roof Covering and Installation

  • The age and material of your shingles or tiles matter.

  • Nailing patterns and underlayment also count!

Secondary Water Resistance

  • If your roof has an extra moisture barrier underneath, you score points (and discounts).

What 4 Point Inspections Look At

1. Electrical System

  • Old wiring (like aluminum) is a fire risk.

  • Inspectors look at panels, circuits, and wiring condition.

2. Plumbing

  • Galvanized or polybutylene pipes? Expect issues.

  • Leaks, corrosion, and water heater condition are examined.

3. HVAC System

  • Is it heating/cooling effectively?

  • Are there signs of mold, rust, or inefficiency?

4. Roof

  • Leaks, damage, and overall condition.

  • Age is a major factor—many insurers decline roofs older than 15-20 years.

How to Prepare for Your Inspections

Before Wind Mitigation

  • Gather roof permits and shutter specs

  • Make sure attic access is clear

Before 4 Point

  • Clean around AC unit and electrical panel

  • Document any upgrades (plumbing, roof, etc.)

How Much Do These Inspections Cost?

  • Wind Mitigation: $75–$150

  • 4 Point: $100–$175

  • Combo Deals: $150–$250

How to Choose the Right Inspector

What to Look For

  • Licensed in Florida

  • Certified for home inspections

  • Experienced with both types

What to Avoid

  • Extremely cheap quotes

  • No sample reports or credentials

  • Negative reviews or no online presence

How to Submit Reports to Insurance

Once your inspections are done:

  1. Get a PDF report from the inspector.

  2. Email or upload to your insurer’s portal.

  3. They apply discounts or approve the policy.

Pro Tip: Keep extra copies in your files for future policy renewals or upgrades.

Common Myths Debunked

  • “New homes don’t need these.”
    Not true—wind mitigation can still lower premiums.

  • “I only need one.”
    You may need both depending on your situation.

  • “Inspections don’t really save money.”Many homeowners save $500–$1,000/year with the right report.

Real Homeowner Stories

  • Miami family installed hurricane shutters, got a wind mitigation report, and saved $1,200/year.

  • Tampa homeowner failed a 4 point due to old wiring—updated the panel and got insured with no hassle.

  • Sarasota couple bundled both inspections and saved 30% on their premium.

Conclusion

Both wind mitigation inspections and 4 point inspections are critical for Florida homeowners. One helps cut your insurance bill, the other helps keep your policy active. Understanding them isn’t just smart—it’s essential if you want to protect your investment and avoid surprise costs.

So, whether you’re buying a home, renewing insurance, or upgrading your property, these inspections are your first step toward financial peace of mind.

FAQs

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

Every 5 years, or after major upgrades to your roof or windows.

2. Can I skip a 4 point inspection if my house looks fine?

No—most insurers require it for homes over 20 years old.

3. What’s the fastest way to book an inspection?

Search for licensed Florida inspectors and ask for combo deals.

4. Will insurance companies accept old inspection reports?

Typically, reports should be no older than 12 months.

5. Do I need both inspections every year?

Not unless you make significant upgrades—then it’s smart to update the reports.