Introduction

If you’re a homeowner in Florida, you’ve probably heard the terms wind mitigation inspection and 4 point inspection tossed around—especially when it’s time to deal with your homeowner’s insurance. But what do they actually mean? And more importantly, which one do you need?

Florida’s unique weather patterns—hello, hurricanes—mean insurance companies take extra precautions before insuring your home. That’s where these two inspections come in. They may sound similar, but they serve different purposes and can have a big impact on your insurance rates, policy eligibility, and peace of mind.

In this article, we’ll break down both types of inspections, explain when and why you need them, and show how they can actually save you money. Whether you’re buying a home, renewing insurance, or upgrading your property, this guide is your go-to resource.

What’s the Difference Between Wind Mitigation and 4 Point Inspections?

While both are insurance-related inspections, they serve different purposes.

Wind Mitigation Inspection

This type of inspection evaluates how well your home can withstand high winds. It checks for features like roof shape, window protection, and roof-to-wall connections. If your home passes certain criteria, your insurer may offer significant discounts.

4 Point Inspection

A 4 point inspection focuses on the four major systems of an older home:

  • Roof

  • Electrical

  • Plumbing

  • HVAC (Heating, Ventilation, and Air Conditioning)

Insurers use this inspection to determine whether the systems are in acceptable condition. It’s usually required for homes over 20 years old.

Why These Inspections Matter in Florida

Florida = Hurricane Central

Wind damage is a major risk here. That’s why insurers (and laws like Florida Statute 627.0629) support wind mitigation inspections.

Insurance Companies Want to Reduce Risk

If your systems are outdated or damaged, insurance companies may decline to issue a policy unless you complete a 4 point inspection and make necessary repairs.

Wind Mitigation Inspection: Full Breakdown

What Inspectors Check

  • Roof type, age, and shape (Hip roofs = better)

  • Roof-to-wall attachment (Clips, single wraps, etc.)

  • Roof decking and underlayment

  • Window and door protection (Shutters, impact glass)

  • Secondary water barriers

Features That Can Earn You Discounts

  • Impact-resistant windows

  • Reinforced garage doors

  • Roof upgrades

  • Roof-to-wall metal connectors

Cost and Validity

  • Average cost: $75 to $150

  • Valid for 5 years or more, unless upgrades are made

4 Point Inspection: Full Breakdown

What It Covers

  1. Roof – Are there leaks or damage?

  2. Electrical – Are there outdated wires or panels (e.g., aluminum wiring)?

  3. Plumbing – What material is used? (Polybutylene = bad)

  4. HVAC – Is the system functional and safe?

Common Problems Found

  • Leaky pipes

  • Faulty breaker panels

  • Mold on air ducts

  • Roofs past their lifespan

Who Needs a 4 Point Inspection?

  • Homes typically 20 years or older

  • Required by most insurers before issuing or renewing a policy

Real-Life Insurance Savings

  • Tampa homeowner got a wind mitigation inspection and saved $800/year

  • Orlando family did a 4 point inspection, replaced old plumbing, and avoided a $2,000/year premium hike

  • Fort Lauderdale homeowner combined both inspections and saved 35% on insurance

How to Prepare for Each Inspection

Before Wind Mitigation

  • Gather any roofing permits or documents

  • Ensure attic access is clear

Before 4 Point

  • Clean around the HVAC unit

  • Make electrical panel accessible

  • Document any recent system upgrades

Choosing a Qualified Inspector

Look for:

  • Florida state license

  • Specialized in both inspections

  • Reviews and testimonials

Avoid:

  • Very low prices (could be a scam)

  • Unlicensed inspectors

  • Vague or incomplete reports

Submitting the Reports to Your Insurer

Once the inspections are done:

  1. Submit reports to your insurance company.

  2. They assess risk and apply discounts (if any).

  3. You receive policy offers or renewal adjustments.

Make sure you keep a digital and printed copy of both reports for future use.

Common Misconceptions

  • “New homes don’t need wind mitigation.”
    False. Even newer homes can benefit from discounts if you verify protection features.

  • “I only need one inspection.”
    Not always. If your home is older, a 4 point may be required. If you’re looking to save money, a wind mitigation report is smart.

DIY Inspections? Not a Chance

You must use a licensed inspector in Florida for these reports to be valid with your insurance company. DIY won’t save you money—it’ll just get rejected.

Conclusion

When it comes to protecting your home and your wallet in Florida, both wind mitigation inspections and 4 point inspections play a vital role. One is about safety and eligibility; the other is about savings. Understanding what each inspection covers, when to get them, and how they affect your insurance can save you thousands—and give you priceless peace of mind.

Don’t wait until a hurricane is heading your way or your policy gets denied. Schedule these inspections today and take control of your coverage, your costs, and your home’s future.

FAQs

1. Are wind mitigation inspections required by law in Florida?

No, but they’re highly recommended for insurance discounts.

2. Can I combine both inspections to save money?

Yes, many inspection companies offer bundled pricing.

3. How long does each inspection take?

Typically, 30–60 minutes per inspection.

4. Do these inspections affect property value?

Indirectly, yes. A well-maintained home with strong wind resistance can be more attractive to buyers.

5. Will my insurance accept old inspection reports?

Most insurers prefer reports under 12 months old.