Insurance and Property Documentation
Four-Point + Wind Mitigation Inspection
Quick answer
What is a four-point plus wind mitigation inspection?
A four-point plus wind mitigation inspection combines Florida's two most common insurance inspections in one visit. The four-point documents the roof, electrical, plumbing, and HVAC systems for underwriting; the wind mitigation documents verifiable wind-resistant features on the state's Uniform Mitigation Verification Inspection Form (OIR-B1-1802). You receive two separate reports, one for each inspection. Palm View's stand-alone price for the combination is $175.
Two inspections, one visit, two reports
The four-point inspection documents the age, type, condition, and visible deficiencies of the roof, electrical, plumbing, and HVAC systems so an insurance provider can evaluate eligibility for coverage. The wind mitigation inspection documents the roof covering, roof-deck attachment, roof-to-wall connections, roof shape, secondary water resistance, and protection of exterior openings.
You receive two separate reports — the completed four-point form and the completed wind mitigation form, each with supporting photographs — so you or your agent can submit each one to your insurer.
How the combination is priced
The combination is $175 as a stand-alone visit, which saves $75 compared with booking the two inspections separately ($135 + $115). If you're also getting a residential home inspection, add the forms individually instead: four-point +$45 and wind mitigation +$40. See pricing.
What these inspections don't do
Neither inspection evaluates the overall condition of the home or replaces a comprehensive residential home inspection. Insurance eligibility and any wind-mitigation credit or premium adjustment are determined solely by the insurance company.
Who typically needs it
- Owners of older homes whose insurer needs a four-point and who want to document wind-mitigation credits
- Buyers shopping for insurance before closing who don't need a full home inspection
- Owners renewing or switching a policy after a roof, panel, or HVAC replacement
What's included
We evaluate
- Four-point documentation of the roof, electrical, plumbing, and HVAC systems
- Wind mitigation documentation on form OIR-B1-1802
- Supporting photographs for each form
- Two separate reports delivered digitally
Not included
- Structure, interior, appliances, and other home-inspection items
- A guarantee that an insurer will write a policy or apply a credit
- Repair estimates or contractor services
Benefits
- Both insurance forms in one appointment
- Save $75 versus booking them separately
- Learn early whether any system could affect insurability
Pricing and cost factors
$175 stand-alone
$175 as a stand-alone combination. With a home inspection, the forms are added individually (+$45 and +$40).
- Stand-alone combination only
- Location (travel adjustment beyond our service area)
What to expect
When to schedule: Buyers: during the inspection period, so insurance can be bound and quoted before closing. Owners: before a renewal or after replacing a roof, panel, water heater, or HVAC system.
Step 1: Confirm your insurer's forms
Tell us who your insurer is when you book; most carriers accept the standard four-point form and the state wind mitigation form.
Step 2: One visit
We document the four major systems and the home's wind-resistant features, including attic access to roof-deck attachment and roof-to-wall connections.
Step 3: Two reports
You receive the completed four-point report and the completed wind mitigation report separately.
Four-Point + Wind FAQs
Do I get one report or two?
Two. You receive a separate four-point report and a separate wind mitigation report, so each can be submitted to your insurer.
Can I add the combination to a home inspection?
With a home inspection, the two forms are added individually — four-point +$45 and wind mitigation +$40 — which costs less than the stand-alone combination.
Related services
Four-Point Inspection
Documents the age, type, condition, and visible deficiencies of the roof, electrical, plumbing, and HVAC systems for insurance underwriting review.Learn Moreabout Four-Point InspectionWind Mitigation Inspection
Documents visible wind-resistant features of the home on Florida's official form for your insurer to evaluate for applicable wind-mitigation credits or discounts.Learn Moreabout Wind Mitigation InspectionResidential Home Inspection
A visual assessment of accessible home systems and components, documenting visible deficiencies with photographs and recommendations to support purchase, repair, and maintenance decisions.Learn Moreabout Residential Home InspectionLearn more
Schedule your four-point + wind mitigation inspection
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