Introduction: 

Living in Florida means dealing with the threat of hurricanes every year. To protect your home and wallet, two inspections are essential: the wind mitigation inspection and the 4 point inspection. These inspections assess your home’s ability to withstand storms and keep insurance costs manageable. Let’s explore what each inspection involves and why you shouldn’t skip them.

What Is a Wind Mitigation Inspection?

A wind mitigation inspection reviews your home’s features that help resist wind damage during hurricanes. It checks construction details specifically designed to reduce damage from strong winds.

Main Elements Inspected

  • Roof shape and type

  • Roof attachments and reinforcements

  • Quality of roof covering

  • Installation of secondary water barrier

  • Presence of storm shutters or impact-resistant windows

Advantages of a Wind Mitigation Inspection

  • Potential discounts on your homeowner’s insurance

  • Confirmation your home meets storm safety standards

  • Identification of weak points for repairs before hurricane season

Understanding the 4 Point Inspection

The 4 point inspection focuses on four critical home systems, especially in houses older than 25 years. It helps insurance companies understand the condition and risks related to your home.

Four Areas Covered

  1. Roof age and condition

  2. Electrical system safety

  3. Plumbing condition

  4. Heating and air conditioning systems

Why Insurance Companies Require 4 Point Inspections

Insurance providers want to know the condition of older homes to decide if they can offer coverage or need additional precautions. This inspection helps prevent surprises after a claim.

Insurance Impact of These Inspections

Both inspections influence your insurance premiums and coverage. Wind mitigation can reduce premiums by proving storm preparedness, while 4 point inspections clarify home risks for insurers.

Preparing Your Home for Inspections

  • Ensure clear access to attic, roof, and electrical panels

  • Repair visible leaks or damages

  • Keep plumbing fixtures accessible

  • Gather any home repair or upgrade documents

Costs and Time Frame

  • Wind mitigation inspection: $75 to $130, usually 30-45 minutes

  • 4 point inspection: $100 to $150, typically 45-60 minutes

Choosing a Reliable Inspector

Look for inspectors who:

  • Are licensed and certified in Florida

  • Have hurricane inspection experience

  • Provide detailed, easy-to-understand reports

  • Are transparent about costs

Conclusion

A wind mitigation inspection and a 4 point inspection are two simple steps to safeguard your Florida home from hurricanes and reduce insurance costs. Don’t wait for storm warnings to take action — schedule these inspections and enjoy peace of mind year-round.

FAQs

1. How often should I get these inspections done?
Every 3-5 years or after major renovations.

2. Are these inspections required by law?
Not legally required but often mandated by insurance companies.

3. Can these inspections lower my insurance premiums?
Yes, especially the wind mitigation inspection.

4. What if my home doesn’t meet the inspection standards?
You may need to make repairs or improvements to qualify for insurance.

5. Can one professional perform both inspections?
Yes, many inspectors handle both services to save you time.