What are 4 Point and Wind Mitigation Reports, and why you may need them
- Licensed inspectors serving Sarasota, Bradenton, Tampa, and surrounding Florida communities.
- Insurance-ready 4-point inspection of roof, HVAC, electrical, and plumbing.
- Detailed wind mitigation inspection identifying hurricane-resistant features and insurance discounts.
Be sure to ask your insurance agent to see if you would benefit from these insurance reports. Then schedule an appointment with us, and we will provide you with what you need.
Protect Your Home and Lower Your Insurance Premiums
At Hope Home Inspections, our 4-Point and Wind Mitigation inspections are designed to meet Florida insurance requirements while giving you peace of mind. Whether your home is older and needs a 4-Point Inspection or you want to explore savings through a Wind Mitigation Report, we provide detailed, accurate results.
What’s Included in a Wind Mitigation Inspection
A Wind Mitigation Report evaluates your home’s ability to withstand high winds and hurricanes. Insurance companies often require these inspections, especially for homes over 15 years old, before issuing or renewing coverage. Beyond compliance, wind mitigation features can save homeowners hundreds of dollars annually in insurance premiums. The inspection includes:
- Roof Covering – Type, material, installation date, and compliance with the Florida Building Code.
- Roof Deck Attachment – How the roof decking is fastened (nails, screws, adhesives).
- Roof-to-Wall Connections – Straps, clips, or wraps securing the roof to the walls.
- Roof Geometry – Shape of the roof (hip, gable, flat) and its ability to resist wind uplift.
- Secondary Water Resistance (SWR) – Underlayment beneath roof covering.
- Opening Protection – Impact-rated windows, doors, shutters, or garage doors.
✅ Included: Measurements, photos, and completed OIR-B1-1802 form accepted by insurers.
❌ Not Included: Non-structural items, cosmetic roof issues, or unrelated home systems.
What’s Included in a 4-Point Inspection
A Four Point is NOT a Home Inspection or a subset of a home inspection. This report provides specific information an insurance company needs in regards to four components of a home to determine if the home is insurable.
A 4-Point Inspection focuses on the four major systems that insurance companies are most concerned about in older homes:
- Roofing System – Age, condition, material, signs of leaks, and remaining life expectancy.
- Electrical System – Panel type, wiring, breakers, grounding, and safety hazards.
- HVAC (Heating & Cooling) – Type of system, age, condition, and functionality.
- Plumbing System – Material, age of pipes, visible leaks, water heater age, and condition.
✅ Included: Visual condition reports, photos, and insurance-approved forms.
❌ Not Included: Cosmetic issues, appliances, insulation, or areas not related to the four major systems.
Frequently Asked Questions
1. Why do insurance companies require a 4-Point inspection?
Insurers use 4-Point inspections to verify the condition of older homes. They want assurance that the major systems (roof, HVAC, electrical, plumbing) are safe and not at risk of causing costly claims.
2. Will a 4-Point inspection tell me everything about the home?
No. It is not as comprehensive as a full home inspection. It only covers the four key systems and excludes cosmetic or minor maintenance issues.
3. What’s the main benefit of a Wind Mitigation inspection?
Besides safety verification, homeowners often qualify for significant insurance discounts when their homes have features like impact-rated windows, hip roofs, or hurricane straps.
4. How long do these inspections take?
Most 4-Point and Wind Mitigation inspections take about 1–2 hours, depending on the size and age of the home. Reports are typically delivered within 24 hours.
5. Should I schedule both inspections at once?
Yes, many insurance companies require both, and scheduling them together saves time and money while ensuring all documentation is ready for your agent.
Book Your Inspection with Hope Home Inspections
Don’t leave your coverage, or potential insurance discounts, to chance. Our licensed inspectors provide accurate, insurance-approved 4-Point and Wind Mitigation inspections throughout Sarasota, Bradenton, Tampa, and nearby communities.
These insurance reports should not be used in place of a full home inspection which is more thorough and detailed in nature.
With a full home inspection, you will receive a detailed 40-80 page report with photos determining the condition and functionality of the home.
Items inspected during a full home inspection, but NOT included in a 4 point or wind mitigation report:
- Exterior of the home including: drainage, hose bibs, trims, soffit, facia, fences, gates, driveways, carports, awnings, wall coverings, and stairs
- Outside deck/screen cage and patio
- Pools and pool equipment
- Interior of the home including: the walls, ceilings, floor coverings, light fixtures, fans, doors, and windows
- Appliances such as: washer and dyer, refrigerator, ice maker, stove, oven, disposal, dishwasher
- The plumbing is inspected by checking for leaks and water pressure by running faucets, showers, and flushing toilets
- Garage Doors
- Fireplaces
- Water heater
- Electrical outlets are tested
- Electrical meter and panel
- HVAC system interior and exterior units with a condition inspection of the filter, coils, refrigerant lines, and duct work
- Thermostat
- Crawl space
- Roof
- Gutters and downspouts
- Attic space
- Outdoor kitchens
- and so much more
Click here to view a sample full home inspection report