CONDITION OF FOUR SYSTEMS
4 Point Inspection
Documents the roof, electrical, plumbing and heating/cooling systems for an insurer’s review. The carrier decides what it accepts and whether follow-up or repairs are needed.
Explore a 4 Point InspectionSTART WITH YOUR INSURER’S REQUEST
The right reports for your insurance question.
A 4 Point Inspection and a Wind Mitigation Inspection serve different purposes. Send your insurance agent’s request so we can discuss the reports and documentation needed for your property.
WIND-RESISTANT FEATURES
Wind Mitigation Inspection
Documents specified roof, connection and opening-protection features. Your insurer determines which verified features qualify for credits and how they affect your policy.
Explore Wind MitigationBEFORE YOU BOOK
Make the request specific.
Do I need both reports?
Ask your insurance agent for the exact reports, forms and deadlines required for the policy. If both are needed, discuss a combined appointment and confirm its total quote.
Does an inspection guarantee coverage or savings?
No. The inspection documents conditions or features within its scope. The insurance company decides underwriting, eligibility, required follow-up and premiums.
Can I use a report I already have?
For Wind Mitigation, Florida’s completed form is valid for up to five years if the structure has no material changes and the form has no inaccuracies. The April 2026 form applies to new inspections; it does not automatically invalidate a qualifying older inspection. Share the date and any changes with your insurance agent. Ask separately about a 4 Point report’s requirements.
Is this the same as a buyer’s inspection?
No. A Pre-Purchase Inspection has a broader purpose: helping you understand accessible property conditions before buying. Insurance reports do not replace that inspection.
Review Florida OIR’s current wind-mitigation resources for form and validity guidance.
READY WHEN YOU ARE
Have your insurance request ready
Choose the requested services in our scheduler, or call with the forms and deadline if you need help.