Introduction

Let’s face it—owning a home in Florida is like owning beachfront real estate in paradise, but with a side of hurricane season. If you’re a Florida homeowner or planning to buy a house, you’ve probably heard terms like wind mitigation inspection and 4 point inspection tossed around during insurance talks or real estate deals.

These inspections aren’t just industry buzzwords—they’re your ticket to lower premiums, safer homes, and smoother real estate transactions. In this guide, we’re diving into what these inspections mean, why they matter, and how they can help you save thousands while keeping your home secure.

Understanding the Basics

What Is a Wind Mitigation Inspection?

A wind mitigation inspection checks how well your home can withstand strong winds and hurricanes. Florida insurance companies use this inspection to determine your home’s risk profile and potential eligibility for discounts.

What Is a 4 Point Inspection?

A 4 point inspection is a thorough check-up of four major systems in your home: roofing, plumbing, electrical, and HVAC. Insurance providers require this for older homes—typically those 25 years or older.

Wind Mitigation Inspection Explained

Why It’s Crucial in Florida

Florida is no stranger to hurricanes and windstorms. This type of inspection isn’t required by law but can significantly reduce your homeowner’s insurance if your home is deemed wind-resistant.

Who Needs One?

  • New homeowners seeking insurance

  • Existing homeowners looking for discounts

  • Anyone in hurricane-prone regions upgrading their home

Key Components of a Wind Mitigation Inspection

Roof Shape

Hip roofs (sloped on all sides) are more wind-resistant than gable roofs.

Roof Covering and Attachment

Inspectors check the material (shingle, metal, etc.) and how well it’s fastened to the structure.

Roof-to-Wall Connections

Are your trusses connected with clips or straps? That can make a big difference in high winds.

Secondary Water Resistance

A water barrier beneath the roof deck helps prevent interior damage if shingles blow off.

Opening Protections

Impact-rated doors and windows or storm shutters can stop flying debris in a storm.

How It Affects Insurance

Why Insurance Companies Care

Insurance providers want to know if your house can handle hurricane-force winds. Better construction means fewer claims.

Real Savings for Homeowners

With favorable wind mitigation results, you could:

  • Save up to 45% on windstorm coverage

  • Avoid surcharges

  • Qualify for more policy options

4 Point Inspection in Detail

Why It’s Required

For homes 25 years or older, most insurance companies won’t offer coverage without a recent 4 point inspection.

How It Differs from a Full Inspection

It’s shorter and focuses only on major risk areas—not cosmetic flaws or minor defects.

System-by-System Breakdown

1. Electrical System

  • Panel condition and type

  • Wiring (aluminum, copper, etc.)

  • Safety hazards

2. HVAC System

  • Functionality

  • Condition and age of units

  • Maintenance or leaks

3. Plumbing System

  • Pipe materials (PEX, galvanized, copper)

  • Water heater age

  • Leak checks

4. Roofing System

  • Roof condition and lifespan

  • Signs of leaks or damage

  • Type of material

Preparing for the Inspection

Tips to Get Ready

  • Clear access to attic, roof hatch, breaker box, HVAC unit, and water heater

  • Have roof permits and upgrade receipts on hand

  • Fix minor leaks or exposed wires ahead of time

What to Expect During the Inspection

  • Timing: 30–60 minutes each

  • Photos: Inspectors will document all findings

  • Reports: You’ll receive digital copies, usually within 24–48 hours

Choosing the Right Inspection Company

Look for these qualities:

  • Florida state certification

  • Good Google reviews or referrals

  • Sample inspection reports available online

  • Insurance company acceptance

Pro tip: Some companies offer combo pricing when you book both inspections together.

Cost of Wind Mitigation & 4 Point Inspections

  • Wind Mitigation: $75–$150

  • 4 Point Inspection: $80–$150

  • Bundle: Often $150–$250

Remember: You could make that money back in just a few months through reduced insurance premiums.

Benefits of Proactive Inspections

  • Avoid delays during real estate transactions

  • Identify hidden hazards early

  • Secure long-term savings and better coverage

Conclusion

If you live in Florida, getting a wind mitigation inspection and a 4 point inspection is one of the smartest moves you can make. Not only do these inspections help you protect your most valuable asset—your home—but they also unlock potential savings on your insurance premiums.

Don’t wait until the next storm is on the radar. Be proactive, stay safe, and keep your property protected with thorough inspections that put you ahead of the curve.

FAQs

1. Can I get both inspections done in one appointment?

Yes! Many companies offer combo deals for convenience and cost savings.

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

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

3. Is a 4 point inspection required by law?

Not by law, but most insurers require it for older homes.

4. Will I still get insurance if my inspection reveals problems?

It depends on severity. You may need to make repairs before coverage is approved.

5. Are condos or mobile homes eligible for these inspections?

Yes, though mobile homes may follow slightly different inspection guidelines.