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 documents roof, electrical, plumbing, and HVAC condition, and is often required for older homes). 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 | Optional, but it is how you document features that qualify for windstorm discounts | Often required for older homes (Citizens: new applications for homes more than 20 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 through the wind discounts your insurer files | Helps determine 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 |
"I inherited a Condo and needed an inspection so I called High Tide Home Inspection. Filled out the easy form online and within no time, got a called back to schedule. Joanna is a phenomenal, efficient, knowledgeable, expert in the field. She goes though the house accurately with precise attention to detail. My insurance agent even said how excellent the report was. I would recommend her for anyone who needs a house inspection."
Common
questions.
- Do I need both a Wind Mitigation and a 4-Point?
- Often, if the home is older. Many insurers require a 4-Point before writing a policy on an older home (Citizens requires one for homes more than 20 years old), and the Wind Mitigation is optional but documents features that can lower your premium. Your insurance agent can tell you what your carrier needs.
- 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 can, depending on what your home has (hip roof, roof-to-wall connections, secondary water resistance, impact-rated openings) and on the discounts your insurer files. 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?
- The wind mitigation form is valid for up to five years, as long as no material changes are made to the home and nothing on it is inaccurate. 4-Point rules vary by insurer. Citizens, for example, requires the 4-Point to be dated within the 12 months before a new application.
- 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
Documents your home's hurricane-resistant features on the state form insurers use for wind discounts.
4 Point Inspection
Often required by Florida insurers for older homes. 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. Your report arrives by the next morning. Call or text Joanna directly at 941-779-4822.