Insurance and property documentation
Florida insurance inspections: four-point, wind mitigation, or both
Quick answer
Which insurance inspection do I need in Florida?
If your insurer requires proof that an older home's roof, electrical, plumbing, and HVAC are acceptable, you need a four-point inspection. If you want the windstorm premium discounts Florida law requires insurers to offer, you need a wind mitigation inspection on form OIR-B1-1802. Owners and buyers of older homes commonly need both, and completing them in one visit costs less than scheduling them separately.
Your options
Four-Point Inspection
Documents the age, type, condition, and visible deficiencies of the roof, electrical, plumbing, and HVAC systems for insurance underwriting review.
$135 standalone
Four-point detailsWind 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.
$115 standalone
Wind mitigation detailsBest value for older homes
Four-Point + Wind Mitigation Inspection
Both inspections in one visit, with two separate reports — the most efficient way to get an older home insured and document every credit it qualifies for.
$175 stand-alone
Schedule bothSide-by-side comparison
| Attribute | Four-Point | Wind Mitigation |
|---|---|---|
| Purpose | Underwriting eligibility for older homes | Premium credits for wind-resistant features |
| Systems / features | Roof, electrical, plumbing, HVAC | Code, roof cover, deck & roof-to-wall attachment, geometry, SWR, openings |
| Form | Standard or carrier four-point form | State form OIR-B1-1802 |
| Typical validity | Often ~12 months (insurer-specific) | Up to 5 years if nothing material changes |
| Who usually needs it | Owners/buyers of older homes | Nearly every Florida homeowner |
| Replaces a home inspection? | No | No |
| Can be bundled | Yes | Yes |
Insurance inspection FAQs
Do I need both a four-point and a wind mitigation?
If your home is old enough that your insurer requires a four-point, a wind mitigation is almost always worth adding — one helps you get insured and the other helps you pay less. Newer homes usually need only the wind mitigation.
How long does the combined inspection take?
Usually about 60 to 90 minutes on its own, depending on attic access and the size of the home — less when added to a full home inspection.
Who receives the forms?
You do, typically within one business day. Forward them to your insurance agent, who submits them to the carrier.
Learn more
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.
Read the guideHow Your Roof Affects Home Insurance in Florida
Roof age, type, and condition drive Florida insurance decisions. Learn what insurers look for, how inspections document it, and what buyers should ask.
Read the guideRoof-to-Wall Connections Explained: Toe Nails, Clips, and Wraps
Roof-to-wall attachment is a key item on Florida's wind mitigation form. Learn the difference between toe nails, clips, single wraps, and double wraps.
Read the guide
Get your insurance forms done in one visit
Schedule online or call to talk through the right inspection for your home and timeline.