Two Inspections, Two Very Different Purposes
If you own a home in Florida, you've probably heard about 4-point inspections and wind mitigation inspections. They're often mentioned together, but they serve completely different purposes.
4-Point Inspection = Required by your insurance company to *get* or *keep* coverage.
Wind Mitigation Inspection = Saves you money on your insurance premiums.
Let's break down each one.
The 4-Point Inspection
What Is It?
A 4-point inspection evaluates the four major systems in your home:
1. HVAC (Heating, Ventilation, and Air Conditioning)
2. Electrical (panel, wiring type, and condition)
3. Plumbing (pipes, water heater, fixtures)
4. Roof (material, age, and condition)
Who Needs One?
Most Florida insurance companies require a 4-point inspection for homes over 20 years old (some require it at 15 years). If you're:
...you'll likely need one.
What Happens If You Fail?
You don't technically "pass" or "fail" a 4-point inspection — but the insurance company reviews the report and may:
How Much Does It Cost?
A 4-point inspection in Orlando typically costs $75–$150. It takes about 30–45 minutes and is much less involved than a full home inspection.
The Wind Mitigation Inspection
What Is It?
A wind mitigation inspection documents your home's wind-resistant features. Florida law (Section 627.0629, Florida Statutes) requires insurance companies to offer discounts for homes with qualifying wind-resistant construction.
What We Inspect
How Much Can You Save?
This is where it gets exciting. Depending on your home's features, a wind mitigation inspection can save you:
Every Florida Homeowner Should Get One
Even if your home is newer, you're likely leaving money on the table. We've inspected homes where the owner was paying $3,000/year for insurance and, after documenting their wind-resistant features, they dropped to under $1,500.
Can You Do Both at the Same Time?
Yes! And we recommend it. When you bundle a 4-point and wind mitigation inspection, it saves time and we typically offer a bundled price. Both inspections can be completed in about an hour.
Which One Do You Need?
Schedule Your Inspection
Whether you need a 4-point, wind mitigation, or both — contact us to schedule. We serve Orlando, Winter Park, Kissimmee, Sanford, and all of Central Florida. Same-week availability is usually possible.
