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What Is a Wind Mitigation Inspection?
A wind mitigation inspection documents the features that help your home resist hurricane and high-wind damage — roof shape, roof-to-wall connections, roof covering, and more. In Florida, insurers are required to give premium discounts for qualifying features, so a thorough report (filed on the state's OIR-B1-1802 form) can significantly lower your homeowners insurance cost.
The Wind Mitigation Inspection: Your Key to Insurance Savings"
"Hi, I’m Grant with Four Corners Home Inspections. If you live in Florida, you know that our weather is beautiful—but it can also be intense. Today, we’re talking about the Wind Mitigation Inspection. This is the single most important tool in your arsenal for protecting your home and, more importantly, your wallet."
What is Wind Mitigation? "Essentially, a wind mitigation inspection rates how well your home can withstand a major storm. Unlike a standard home inspection, this report is designed specifically for your insurance carrier. It evaluates the structural 'bones' of your house to see how it stands up to high-velocity winds."
What are we actually looking at? "During a wind mitigation, we evaluate several critical areas:
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Building Codes: When was your home built? Homes built under newer, stricter codes often qualify for automatic discounts.
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Roof Ties: We look at how your roof is tied to your walls. Are there hurricane clips or wraps?
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Nailing Patterns: We even check the size and spacing of the nails in your roof deck.
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Opening Protection: This includes roll-up shutters, impact-rated glass, or hurricane panels that protect your windows and doors.
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Secondary Water Resistance: We check for a 'peel-and-stick' layer under your shingles that acts as a final barrier against leaks."
"Here are the top questions we hear at Four Corners:"
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What is the main benefit? It’s the only inspection that can qualify you for a massive discount on your annual insurance premium.
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How much can I save? Depending on your home’s features, savings typically range from 10% to 45% off the wind portion of your policy.
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Is it mandatory? No, it’s optional—but without it, you are likely overpaying for your insurance.
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How long is the report valid? Most carriers accept these reports for 5 years.
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Does a 'Hip' roof matter? Yes! Hip roofs (sloped on all four sides) generally get the highest discounts.
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Can I fail this inspection? No. There is no 'pass' or 'fail.' We simply document what is there so your agent can get you every credit you deserve.
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What if my home is older? You can still qualify! Even if your home was built before 2002, a newer roof or added hurricane straps can unlock savings.
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Do all windows need protection? To get the 'Opening Protection' credit, every window and door must be protected. It’s an all-or-nothing discount.
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How long does it take? A typical wind mitigation takes about 30 to 60 minutes onsite.
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How do I get my discount? We provide a professional PDF with all required photos that you simply email to your insurance agent.
"At Four Corners Home Inspections, we take the guesswork out of storm protection. Whether you’re buying a new property or just trying to lower your current bill, we’re here to help. Check out our Bundle & Save packages on our website to get your Wind Mit, 4-Point, and Full Inspection done in one easy visit. Give us a call today!"
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What Is a 4-Point Inspection?
A 4-point inspection covers the four systems insurers care about most: roof, electrical, plumbing, and HVAC. Insurance carriers require photo documentation of each system's current condition and age, so we provide exactly what they ask for. Florida insurers typically require a 4-point before they'll write or renew a policy on an older home, because it shows the major systems are safe, functional, and unlikely to cause a near-term claim.
Hi, I'm Grant Doutt, owner and Certified Master Inspector at Four Corners Home Inspections. If you're buying a home or renewing your insurance in Florida, you've probably heard the term "4-Point Inspection" — but what is it, and why does your insurance company care so much? Let's break it down.
The 4-Point didn't appear out of thin air. It was born right here in Florida after Hurricane Andrew in 1992, when insurers needed a better way to understand the risks of older homes. Florida has the most formal version, but you'll now find similar requirements in other high-risk states too.
One big question I get is, "Is this the same as my standard home inspection?" The short answer is no. A full home inspection is your due diligence — it covers everything from the foundation to the trim. A 4-Point is strictly an insurance tool: it focuses only on four systems — your roof, electrical, plumbing, and HVAC. It's about risk, not overall condition.
At Four Corners, we make sure your 4-Point is accurate, professional, and delivered fast so your insurance stays on track. Ask about our Bundle & Save packages to get your 4-Point, Wind Mit, and Full Inspection done all at once. I'm ready to help — give us a call!
Wind Mitigation & 4-Point Inspection Cost
Why Four Corners for Your Insurance Inspection
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Same Day Reports
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Every wind mit credit you qualify for documented
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Filed on the state's official OIR-B1-1802 and 4 Point Form
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Accepted by your insurance carrier
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Every report personally certified by a Certified Master Inspector
Adding a Wind Mit or 4-Point to a full home inspection? They start at just $100 each. Each additional building +$150.