Florida Insurance Inspections
in Lakewood Ranch.
Wind Mitigation + 4-Point inspections required by Florida insurers.
Florida insurers commonly require two specific inspections before they will write or renew a homeowner's policy: a Wind Mitigation Inspection (which can lower premiums by documenting hurricane-resistant features) and a 4-Point Inspection (which assesses roof, electrical, plumbing, and HVAC condition, typically required for homes 25+ years old). High Tide performs both, on their own or alongside a full home inspection.
In Florida, getting an insurance policy on a home, particularly an older home or one near the coast, usually means producing one or both of these reports. We perform both, we file them on the standard state forms (Wind Mit on the OIR-B1-1802), and we deliver them in the format your insurance agent already knows how to read.
When you book a full home inspection with High Tide, the Wind Mitigation and 4-Point can be performed on the same visit, so you handle everything in one appointment. Most buyers in Florida need at least one of these, and many need both.
Wind Mitigation vs 4-Point: what's the difference?
| Attribute | Wind Mitigation | 4-Point Inspection |
|---|---|---|
| Purpose | Document features that reduce hurricane damage (for insurance discounts) | Assess condition of major systems (for insurance eligibility) |
| Who requires it | Almost all Florida insurers (optional, but skipping it costs you money) | Required by insurers for homes typically 25+ years old |
| What's inspected | Roof shape, roof age, roof-to-wall connections, opening protection, secondary water resistance | Roof, electrical, plumbing, HVAC |
| Form used | OIR-B1-1802 (Florida state form) | 4-Point form (insurer-specific) |
| Premium impact | Can lower your premium 20–45% | Determines whether you get a policy at all |
| Price | $225 on its own, $175 with a home inspection | $175 on its own, $125 with a home inspection |
"Joanna spent nearly four hours walking me through every system of the house and explaining what I was looking at. The report was in my inbox the next morning with photos for everything she had pointed out. I cannot recommend her highly enough."
Common
questions.
- Do I need both a Wind Mitigation and a 4-Point?
- If your home is 25+ years old in Florida, almost certainly yes. The 4-Point is required by most insurers to write the policy; the Wind Mitigation is optional but lowers your premium, often by enough to pay for itself in the first year.
- Can these inspections be combined?
- Yes. We routinely perform Wind Mitigation and 4-Point together, and both can be added to a full home inspection on the same visit. It saves you a separate trip.
- Will the inspection lower my insurance premium?
- A Wind Mitigation Inspection often lowers premiums by 20–45% depending on what your home has: hip roof, hurricane straps, secondary water resistance, impact windows. The 4-Point doesn't directly lower your premium but is often required to get a policy at all.
- How long are these inspections valid?
- Wind Mitigation Inspections are valid for 5 years per the Florida Office of Insurance Regulation. 4-Point Inspections vary by insurer but are typically valid for 1–3 years.
- What's the OIR-B1-1802 form?
- It's the standardized Florida Wind Mitigation form (issued by the Office of Insurance Regulation) that all Florida insurers accept. We complete it directly and deliver a signed, dated, and certified copy.
You might also need
Wind Mitigation Inspection
Document hurricane-resistant features. Typically saves 20–45% on homeowner's insurance.
4 Point Inspection
Required by most Florida insurers for homes 20+ years old. Roof, electrical, plumbing, HVAC.
Home Inspection
Full-system inspection with 24-hour digital report, from $450.
Ready to schedule your florida insurance inspections?
Book online in under a minute. Same-day report. Call or text Joanna directly at 941-779-4822.