The 30-Second Verdict
These are two completely different inspections required by Florida insurance companies. A 4-point inspection evaluates the four major systems (roof, electrical, plumbing, HVAC) to assess insurability. A wind mitigation inspection documents your home's hurricane resistance features to earn insurance discounts — it saves money, while a 4-point inspection is typically required to get insurance at all.
Head-to-Head Breakdown
4-Point Inspection
Pros
- 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
Cons
- Results can trigger requirement to update systems before coverage
- Cost ($75–$125) added to insurance process
- 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
Pros
- Directly reduces annual insurance premiums (often $300–$800+/year savings)
- One-time cost ($75–$150) with multi-year benefit
- Hip roof shape alone can save 20–30% on premiums
- Post-reroof inspection captures upgrade credits
Cons
- Savings depend on home features — older, basic construction may earn little
- Must be performed by FL-licensed inspector
- Report valid for 5 years — must be renewed
- Improvements needed to earn credits add cost
Side-by-Side Comparison
| 4-Point Inspection | Wind Mitigation Inspection | |
|---|---|---|
| Purpose | Assess home systems for insurability | Document hurricane resistance for premium discounts |
| Cost | $75–$125 | $75–$150 |
| When Required | Older homes (15–25+ years) for new policies | Not required, but strongly recommended |
| Financial Impact | Required to GET insurance | Reduces insurance COST (often $300–$800+/yr) |
| What's Inspected | Roof, electrical, plumbing, HVAC | Roof covering, deck attachment, opening protection |
| Report Valid | 1–5 years (insurer-specific) | 5 years |
| 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. Most Florida insurance companies require a 4-point inspection for homes 15–25+ years old, and a wind mitigation inspection is strongly recommended for any home to maximize insurance discounts. Many inspectors offer both together for $150–$200 total.
How much can a wind mitigation inspection save on Florida homeowners insurance?
Savings vary by home features. A hip roof shape (vs. gable) saves 20–30% on wind premium. Secondary water resistance membrane adds another 10–25%. Opening protection (impact windows/shutters throughout) can save 30–45%. Combined credits of $300–$1,000+ per year are common for well-built Florida homes.
Who can perform these inspections in Florida?
Both inspections must be performed by a Florida-licensed home inspector, building code inspector, general contractor, or engineer. 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.