Answer: A 4-point inspection reviews the roof, electrical, plumbing, and HVAC systems for insurance purposes. A wind mitigation inspection documents wind-resistant construction features that may qualify a Florida homeowner for insurance credits. Many homeowners in Boca Raton, Parkland, Coral Springs, Delray Beach, Broward County, and Palm Beach County may need one or both reports.
What is a 4-point inspection?
A 4-point inspection focuses on four major systems that insurance companies commonly review before issuing or renewing a policy.
- Roof condition, age, covering type, and visible concerns
- Electrical panel, wiring type, and safety concerns
- Plumbing supply lines, drain lines, fixtures, water heater, and visible leaks
- HVAC system age, operation, and general condition
What is a wind mitigation inspection?
A wind mitigation inspection documents features that help a home resist wind damage. In Florida, these details may affect insurance discounts.
- Roof covering and permit information
- Roof deck attachment
- Roof-to-wall connections
- Roof shape
- Secondary water resistance when visible or documented
- Opening protection such as impact windows, shutters, or rated doors
Do you need both inspections?
Many Florida homeowners need both. The 4-point inspection helps the insurance company evaluate risk in key systems, while the wind mitigation inspection may help identify eligible windstorm credits.
Which inspection should you schedule first?
If you are buying a home, schedule these reports with your home inspection when possible. Bundling inspections can save time and give your insurance agent the information they need earlier in the closing process.
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Frequently asked questions
Is a 4-point inspection the same as a full home inspection?
No. A 4-point inspection is a focused insurance report. A full home inspection is broader and evaluates many more systems and components.
Can a wind mitigation inspection lower insurance costs?
It may. If the home has qualifying wind-resistant features, the report can help your insurance provider determine eligible credits.