Wind Mitigation & Four-Point Inspections
Two Florida inspections come up constantly in insurance: the wind mitigation inspection, which can lower your premium, and the four-point inspection, which many insurers require on older homes.
Wind mitigation inspection
An inspector documents features that help a home resist hurricane winds and records them on a standard state form. Insurers must use it to apply discounts for qualifying features. The inspector looks at:
- Roof shape and roof covering
- Roof deck attachment
- Roof-to-wall connections, such as clips or straps
- Opening protection, such as impact windows or shutters
- Secondary water resistance under the roof covering
The completed form is generally good for several years, so ask your agent how long your insurer will accept it. If you upgraded your roof or windows, a new inspection can capture the discount.
Four-point inspection
A four-point inspection checks the age and condition of four systems: the roof, electrical, plumbing, and HVAC. Insurers commonly ask for one when a home reaches a certain age, often around 20 to 30 years, or when you switch carriers. Problems like old wiring, certain plumbing materials, or an aging roof can lead to higher premiums or a refused policy until repaired.
Using them when buying a home
- Ask the seller for the most recent wind mitigation and four-point reports.
- Get insurance quotes before your inspection contingency ends.
- If a roof is near the end of its life, factor in replacement cost.
Choosing an inspector
Look for a licensed professional, and ask what is covered and how quickly you will get the report. Be wary of anyone who promises specific discounts in advance.
See also: why Florida homeowners insurance is so expensive.