Inspections: About Wind Mitigation and 4 Point Inspections

Posted: 28 September, 2023

A Wind Mitigation and 4 Point Inspections are both insurance inspections for the State of Florida. Each inspection has its intended purpose. A Wind Mitigation report is valid for 5 years, while a 4-point inspection will expire after the year. You will only need a new 4-point inspection if you are switching insurance carriers. For the most part you do not need to submit a new 4-point inspection ever year. Wind Mitigation Wind Mitigation will provide the client with discounts. The insurance discounts in the Wind Mitigation will come from the home age, roof age and is the home has shutters or impact windows and doors.

Building Code- Credits are only given if a home was built in compliance with the 2001 Florida Building Code which took effect March 1, 2002.
Roof Covering: the type of roof covering (shingle, tile, etc.) and age of the roof.
Roof Deck: the material your roof deck (i.e., the material your shingles are nailed to) is made of the type of nails securing the shingles, and how far apart the nails are.
Roof To Wall Attachment: the method used to attach the roof to your walls.
Roof Geometry: The shape and slope of your roof
Secondary Water Resistance: A backup system installed directly to the plywood roof deck to prevent water coming into your home.
Opening Protection: whether you have additional protections on openings such as a sunroof, garage door, windows, etc.

4 Point Inspection A 4-point inspection might be required with certain carriers in the State of Florida when the home is over 20 years old. A 4-point inspection will let the insurance companies know the general working conditions of the 4 main points of the homes. The 4-point main points are: The Roof, Electrical System, HVAC, and plumbing. The homebuyers, seller and owners might be required to make repairs to qualify for homeowners’ insurance based on the 4-point report.

Written by: Premium Emilan