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4-Point vs Wind Mitigation Inspection

They sound similar, but they do very different jobs. A 4-point decides whether you can get covered; a wind mitigation decides how much you pay. Here's the difference — and why most Florida homeowners end up getting both.

  • 4-point = insurability; wind mit = discounts
  • Different forms, different purposes
  • Cheaper to do together in one visit

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The short answer

A 4-point inspection checks four systems (roof, electrical, plumbing, HVAC) and is usually required to insure an older home. A wind mitigation inspection documents hurricane-resistant roof features and is voluntary — but it can lower your premium. They're not either/or: most homeowners get both, often in a single visit to save money.

Side-by-Side Comparison

4-Point InspectionWind Mitigation
PurposeConfirm the home is insurableEarn premium discounts
What it checksRoof, electrical, plumbing, HVACRoof shape, covering, attachment, openings
Required?Often required (older homes)Voluntary, but recommended
Effect on premiumGets you coveredCan lower your bill
FormCarrier 4-point formState OIR-B1-1802
Typical cost$100–$200$100–$175
Valid forPer carrier (often ~1–5 yrs)Up to 5 years

When You Need a 4-Point

If your home is roughly 30+ years old and you're applying for or renewing a policy, expect to need a 4-point inspection. It's the carrier's way of confirming the four big claim-drivers are in safe shape before they take on the risk.

When You Need a Wind Mitigation

Almost everyone benefits from a wind mitigation inspection. It's not required, but it documents features that earn credits on your windstorm premium — and it usually pays for itself in year one. Curious how much? Try the wind mitigation savings calculator.

The smart play: get both in one visit. You satisfy the insurability requirement and capture the discounts — for less than booking two separate trips. Request a bundled quote.

Get Both Done in One Visit

One trip, two insurer-ready reports, lower total cost. We'll confirm exactly what your carrier needs.

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Frequently Asked Questions

What's the difference between a 4-point and a wind mitigation inspection?
A 4-point checks roof, electrical, plumbing, and HVAC to confirm a home is insurable. A wind mitigation documents hurricane-resistant roof features to earn premium discounts. Different purposes, different forms.
Do I need both?
Often yes. Older homes typically need a 4-point to get covered, and almost everyone benefits from a wind mitigation to lower the premium. Many homeowners get both together.
Is it cheaper to do them together?
Yes. Bundling both into one visit costs less than two separate trips, and you receive both insurer-ready reports at once.
Which one lowers my insurance?
The wind mitigation inspection. The 4-point is about insurability, not discounts.
Related:
What is a 4-point inspection?What is wind mitigation?Wind mit savings calculatorFlorida insurance guideRoof inspection cost
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