Four Point & Wind Mitigation Inspections
A wind mitigation inspection is a specialized home inspection that evaluates how well your home can withstand strong winds—especially from hurricanes or tropical storms. It’s most common in wind-prone areas like Florida, and can significantly lower your homeowners insurance premiums if your home has qualifying features.
4-Point Inspections
A 4-point inspection is a specialized home inspection that focuses on four key systems in a house. ( ROOF, ELECTRICAL, HVAC and PLUMBING. It’s commonly required by insurance companies—especially for older homes before issuing or renewing a homeowner’s policy.
Why Its Important:
• Insurance companies use it to assess risk.
• Homes with outdated or unsafe systems may need repairs or upgrades to qualify for coverage.
• It’s not as comprehensive as a full home inspection and is typically much shorter.
What a Wind Mitigation Inspection Covers:
1. Roof Covering
• Type of material (e.g., shingle, tile, metal)
• Date of installation (to confirm compliance with newer building codes)
2. Roof Deck Attachment
• How the roof decking (plywood) is attached to the rafters or trusses (nails, screws, spacing)
• Stronger attachment methods = better resistance to wind uplift
3. Roof-to-Wall Attachment
• Type of connection between the roof structure and the wall (e.g., toe nails, clips, hurricane straps)
• More secure connections reduce the chance of the roof blowing off
4. Roof Geometry
• Shape of the roof (hip roofs are generally more wind-resistant than gable roofs)
5. Secondary Water Resistance (SWR)
• An extra layer (underlayment) that prevents water intrusion if shingles blow off
6. Opening Protection
• Are windows, doors, and skylights protected with impact-rated glass, shutters, or panels?
• Full protection can result in the biggest insurance discount.
How It Works:
• A licensed inspector completes a standardized form (often called the OIR-B1-1802 in Florida)
• You or your insurance agent submit it to your insurance company for review
• Good for up to 5 years, unless changes are made to the home
If you have any questions, please feel free to call us at 954-232-3879.
