What to Compare
A 4-point inspection evaluates the four major systems (roof, electrical, plumbing, HVAC) to assess insurability.
Head-to-Head Breakdown
4-Point Inspection
Features and considerations
- Required by most FL insurers for older homes (15–25+ years)
- Identifies insurability issues before they become claims denials
- Can satisfy multiple insurers with one report
- Helps buyers understand home systems before purchase
Limits and questions
- Results can trigger requirement to update systems before coverage
- Older homes often have 4-point issues that are costly to resolve
- Report is insurer-specific — different carriers may accept or reject
Wind Mitigation Inspection
Features and considerations
- Post-reroof inspection captures upgrade credits
Limits and questions
- Improvements needed to earn credits add cost
Side-by-Side Comparison
| 4-Point Inspection | Wind Mitigation Inspection | |
|---|---|---|
| Purpose | Assess home systems for insurability | Ask the Wind Mitigation Inspection provider to document purpose for the exact offer. |
| Cost | Request an itemized quote for 4-Point Inspection; compare the same scope and payment period. | Request an itemized quote for Wind Mitigation Inspection; compare the same scope and payment period. |
| When Required | Older homes (15–25+ years) for new policies | Not required, but strongly recommended |
| Financial Impact | Required to GET insurance | Ask the Wind Mitigation Inspection provider to document financial impact for the exact offer. |
| What's Inspected | Roof, electrical, plumbing, HVAC | Roof covering, deck attachment, opening protection |
| Report Valid | Ask the 4-Point Inspection provider to document report valid for the exact offer. | Ask the Wind Mitigation Inspection provider to document report valid for the exact offer. |
| Done Together? | Yes — same inspector, same visit typically | Yes — most FL inspectors offer both together |
Frequently Asked Questions
Do I need both a 4-point and wind mitigation inspection in Florida?
Often yes — especially if buying or selling a home or switching insurance companies.
How much can a wind mitigation inspection save on Florida homeowners insurance?
Request dated, itemized proposals for 4-Point Inspection and Wind Mitigation Inspection using the same project details. Compare the included work, optional items, recurring charges and payment terms before deciding.
Who can perform these inspections in Florida?
The forms are Florida-standardized — the OIR-B1-1802 for wind mitigation. Hire someone who regularly performs these insurance inspections and knows what insurers look for.
Consumer resources
Use these official resources when evaluating an offer. They provide general guidance and do not establish a winner between these options.
- FTC: checking home-repair offers and written agreements — General consumer guidance; not evidence of either brand's price or performance.