Four-Point vs. Wind Mitigation Inspections: What's the Difference?
Both are Florida insurance inspections, but they answer different questions. Compare the four-point and wind mitigation side by side — and learn when you need both.
Quick answer
What's the difference between a four-point and a wind mitigation inspection?
A four-point inspection documents the condition of a home's roof, electrical, plumbing, and HVAC so an insurer can decide whether to insure an older home. A wind mitigation inspection documents wind-resistant construction features — roof attachment, roof shape, and opening protection — so an insurer can apply premium discounts. The four-point is about eligibility; the wind mitigation is about savings. Owners of older homes often need both.
Key takeaways
- Four-point = eligibility for coverage on older homes.
- Wind mitigation = documented discounts on the windstorm premium.
- Four-point is often valid ~12 months; wind mitigation up to 5 years.
- Both can be completed in one visit, usually at a bundled price.
Side-by-side comparison
- Purpose: four-point — underwriting eligibility; wind mitigation — premium credits.
- Who asks for it: four-point — the insurer, for older homes; wind mitigation — optional, but valuable for nearly every home.
- What's covered: four-point — roof, electrical, plumbing, HVAC condition; wind mitigation — building code, roof covering, deck attachment, roof-to-wall attachment, roof geometry, secondary water resistance, opening protection.
- Form: four-point — insurer or standard industry form; wind mitigation — state form OIR-B1-1802.
- Typical validity: four-point — often about 12 months; wind mitigation — up to five years.
- Outcome: four-point — can reveal issues that block coverage; wind mitigation — can lower premiums.
When you need both
If you're buying a home old enough to require a four-point, you almost certainly want a wind mitigation too — the four-point lets you get insured, and the wind mitigation helps you pay less for it. Completing both in the same visit is usually the most efficient approach.
When you only need a wind mitigation
Newer homes usually don't need a four-point, but they often benefit most from a wind mitigation because they were built with stronger connections, better deck attachment, and code-approved roofing. New-construction buyers should ask about a wind mitigation before closing.
And the home inspection?
Neither insurance form replaces a full home inspection. The insurance forms are narrow by design; the home inspection is the broad evaluation you use to make a buying decision.
Frequently asked questions
Can one inspector do both?
Yes. A Florida-licensed home inspector with the appropriate qualifications can complete both forms, usually in the same visit.
Do I need either for a condo?
It depends on your insurer and the building. Condo unit policies differ from single-family policies; ask your agent.
