Why Do You Need a 4 Point and Wind Mitigation Inspection?
If you’re a Florida homeowner, chances are your insurance company has asked for a 4 point inspection and wind mitigation before issuing or renewing your policy. These inspections are essential for two reasons:
- Insurance eligibility – A wind mitigation and 4 point inspection gives insurers the details they need about your home’s condition.
- Potential savings – A wind mitigation inspection can qualify you for discounts that lower your premiums.
Bundling both inspections at once ensures you meet requirements while also unlocking insurance benefits.
What is a 4 Point Inspection?
A 4 point inspection evaluates four major systems of your home that are critical for insurers:
- Roof: Condition, age, and lifespan
- Electrical system: Panels, wiring, and safety
- Plumbing system: Pipe types, leaks, and reliability
- HVAC system: Heating and cooling condition
Insurance providers want to know these systems are safe and functional to reduce risks of costly claims.
What is a Wind Mitigation Inspection?
A wind mitigation inspection focuses on how well your home can handle Florida’s strong winds and hurricanes. Inspectors check:
- Roof shape, covering, and attachments
- Secondary water resistance (SWR) such as peel-and-stick
- Impact-rated doors, windows, and shutters
- Garage doors and other structural reinforcements
The findings are documented in a wind mitigation inspection report, which can qualify you for premium discounts under Florida law.
Benefits of Combining a 4 Point Inspection and Wind Mitigation
Scheduling a wind mitigation and 4 point inspection together offers several advantages:
- Cost savings – Bundled pricing is typically lower than booking each separately.
- Convenience – One appointment, one inspector, two reports delivered quickly
- Faster insurance approval – Both reports are provided to your insurance company at the same time.
How Much Does a 4 Point and Wind Mitigation Inspection Cost?
Pricing can vary based on your home’s size, age, and location, but on average:
- 4 Point Inspection: $100 – $200
- Wind Mitigation Inspection: $100 – $200
- Bundle (4 Point and Wind Mitigation Inspection): $150 – $300
By combining services, most homeowners save money upfront and long-term through insurance discounts. At My Safe Home Inspection, you can save time and money when you bundle two or more inspections. Better yet, if you provide us with your insurance agent’s contact information, we will apply our discounted Signature Pricing that is typically reserved for insurance agents. Here is a quick breakdown of our Standard and Signature pricing:
Key Takeaways
Combining a 4 point and wind mitigation inspection not only helps you meet insurance requirements, but also helps you gain valuable insights into your home’s condition while saving money on premiums. Your time is valuable, so save time and money by scheduling combination 4 point inspection and wind mitigation inspection today! We have licensed inspectors across the state ready to serve you.