Wind Mitigation vs. Four-Point Inspections in Florida
A wind-mitigation inspection and a four-point inspection serve different purposes. The wind-mitigation report documents features that may affect a home's resistance to wind; a four-point report reviews the roof, electrical, plumbing and heating/air-conditioning systems. The insurer or agent should tell you which report it needs for your particular quote or renewal. Florida DFS describes these as separate types of inspections.
What does a wind-mitigation inspection look at?
The inspector records eligible construction and protection features on Florida's Uniform Mitigation Verification Inspection Form, which includes roof and opening-protection details. Florida DFS says the OIR-B1-1802 form revised 04/26 is required for inspections from April 1, 2026, and a completed form is valid for up to five years if the structure has no material changes and the form has no inaccuracies. DFS also lists who may sign it. The insurer reviews the completed form to determine whether a wind-mitigation credit applies; an inspection does not guarantee a discount or acceptance.
If you have an older report and have since changed the roof or protection features, tell the insurer or agent. Do not assume that an old report describes the home as it stands today.
What does a four-point inspection look at?
A four-point inspection helps an insurer evaluate the roof, electrical, plumbing and heating/air-conditioning systems. Florida DFS says an insurer may request one for an older home. The insurer decides its own underwriting requirements; the inspection itself does not decide whether coverage will be offered.
Do I need both?
Possibly, but not always. The answer depends on the insurer, the property, the transaction and what is already on file. Before paying for an inspection, ask which report is requested, whether an existing report is acceptable, and whether the insurer has a deadline. Keep copies of the signed report and supporting roof or improvement records.
What should I send to start a quote?
Send your current declarations page and whatever inspection or permit records you already have through the method our team recommends. You can still start a conversation without a new report; we will tell you if a carrier requests one. Do not put Social Security numbers or bank details in a general inquiry.
Next step: Request homeowners insurance help or call (800) 310-2743. A request does not bind coverage.
Related: Homeowners insurance. Hurricane deductible and pre-storm checklist.
Sources checked October 27, 2026: Florida DFS homeowners overview; Florida DFS mitigation notices, inspections and forms.