Homeowners in Florida face unique challenges—especially when it comes to insurance. If you’ve ever been told you need a wind mitigation inspection or a 4 point inspection, you’re not alone. These two inspections can help you save money, get insured, and protect your home—but they’re often misunderstood. Let’s simplify it.

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

Wind Mitigation Inspection = Discounts

A wind mitigation inspection checks your home’s resistance to wind damage—like from hurricanes. If your home has certain protective features, you can qualify for big insurance discounts.

4 Point Inspection = Insurance Requirement

A 4 point inspection is required for homes typically 20+ years old. It focuses on four main systems:

  1. Roof

  2. Electrical

  3. Plumbing

  4. HVAC

If any of these are in poor condition, your insurance may be denied or cost more.

Why Florida Homeowners Need These Inspections

Florida is ground zero for hurricanes. Insurance companies want to know if your home can stand up to wind and water—and if its major systems are safe and functional.

Wind Mitigation = Savings

Florida law requires insurance companies to offer discounts if your home has features that protect against wind damage. Think impact-resistant windows, reinforced doors, or a hip roof.

4 Point = Eligibility

Insurance companies use 4 point inspections to decide if they’ll insure your home. They want to make sure it’s not a liability.

Inside a Wind Mitigation Inspection

What Inspectors Check

  • Roof type and age

  • Roof-to-wall attachments

  • Roof shape (hip roofs are best!)

  • Underlayment and decking

  • Window and door protection

Typical Cost

Most wind mitigation inspections in Florida cost between $75–$150. You only need to do it once unless you make upgrades.

Inside a 4 Point Inspection

What Inspectors Check

  • Roof: Age, leaks, condition

  • Electrical: Outdated wiring? Fire hazards?

  • Plumbing: Leaks? Old materials?

  • HVAC: Is it working and safe?

Typical Cost

Expect to pay $100–$175 for a 4 point inspection. If you need both inspections, most companies offer a combo discount.

When You Need Each Inspection

Scenario Wind Mitigation 4 Point
Buying an older home ✔️ Optional (saves $) ✔️ Required
Renewing insurance ✔️ Recommended ✔️ Likely required
Made improvements ✔️ Absolutely Maybe
Home is newer than 20 years ✔️ Yes ❌ Usually not required

How They Affect Your Insurance

Wind Mitigation Discounts

Add storm shutters, roof straps, or upgrade your roof—and you could save up to 40% on premiums.

4 Point Impact

If any of the four systems are outdated or failing, your policy may be rejected or priced higher.

Common Issues Found

Wind Mitigation Red Flags

  • Flat or gable roofs

  • No roof-to-wall straps

  • No window/door protection

4 Point Deal Breakers

  • Aluminum or knob-and-tube wiring

  • Leaking or polybutylene pipes

  • Old or inoperative HVAC

  • Roofs over 15 years old with signs of damage

Top Benefits of Getting Both Inspections

  • Save on insurance

  • Qualify for better policies

  • Understand your home’s weaknesses

  • Avoid costly surprises

  • Increase your home’s value

Can You DIY These Inspections?

Nope. Only licensed inspectors can perform and submit these reports for insurance purposes. DIY reports won’t be accepted.

How to Prepare for Inspection Day

  • Clear clutter from attic and electric panel

  • Make the HVAC unit easy to access

  • Gather permits or upgrade documents (especially for wind mitigation)

Choosing the Right Inspector

Look For:

  • Florida license

  • Solid reviews

  • Experience with wind mitigation and 4 point reports

Avoid:

  • Prices that seem too good to be true

  • No credentials

  • Poor communication or vague reporting

How to Use the Reports

Wind Mitigation Report

Send it to your insurer immediately to apply for discounts.

4 Point Report

Use it to qualify for coverage. If issues are found, make repairs quickly and schedule a follow-up.

Real Savings From Real Homeowners

  • Miami homeowner: Spent $90 on wind mitigation, saved $750/year

  • Tampa couple: 4 point inspection found aluminum wiring; fixed it, qualified for policy

  • Orlando retiree: Upgraded windows, got both inspections, insurance dropped by 35%

Conclusion

If you live in Florida, you can’t afford to ignore these inspections. A wind mitigation inspection can save you serious money, and a 4 point inspection can mean the difference between getting insurance or being denied. Be smart. Get inspected, save money, and sleep better knowing your home is hurricane-ready and insurable.

FAQs

Do I need both inspections?

If your home is 20+ years old, you likely need a 4 point inspection. Wind mitigation is optional but highly recommended for discounts.

How often should I get these inspections?

Usually just once unless you renovate or make upgrades.

Can I use the same company for both inspections?

Yes, and it often saves you money.

Will insurance accept an old report?

Most companies want reports from the last 12 months—newer is better.

Are these inspections required by law?

Not by law, but by most insurers—especially in Florida.