Wind Mitigation and 4 Point Inspections are both insurance inspections in the State of Florida. In addition, there are almost required on every home purchase transaction. However, there are key differences in their intended purposes.
A wind mitigation inspection gives homeowners insurance discounts based on certain building attributes. A 4 point inspection help homeowners obtain insurance by reporting the condition of the HVAC, electrical, plumbing, and roofing systems.
Let’s dive into each inspection type to learn more how they differ.
Wind Mitigation Inspection
As mentioned previously, the wind mitigation inspection gives homeowners insurance discounts based on certain building attributes. More specifically though, the wind mitigation inspection is a 7-question form. Each question is an available insurance credit/discount if the home meets certain criteria.
Most of the insurance discounts in the wind mitigation inspection come from home age, roof age, and if the home has shutters to protect windows/doors.
Four Point Inspection
4 Point Inspections are insurance specific inspections as well. However, these inspections are designed to tell insurance companies the general working condition of the main four points of the home. Those four points are: the roof, electrical system, HVAC, and plumbing system.
Four-point inspections are generally required by insurance companies on new policies for homes older than 25 years. Some insurance companies may require four-point inspections as soon as a home reaches 5 years old though.
If a four point reveals issues about the working condition of any system, the reported issue will more than likely have to be fixed/repaired.
Wind Mitigation and 4 Point Inspections are both for Florida insurance companies. The wind mitigation inspection gives homeowners insurance discounts based on certain building attributes while the 4 point inspection tells insurance companies how well the home has been maintained.
If you have additional questions on four points or wind mitigations, comment below!