September 19, 2026
What Does a Wind Mitigation Inspector Look For?
A wind mitigation inspector checks your roof shape, deck nailing, roof-to-wall connections and opening protection. Each item can affect your Florida insurance discount.
Home Insurance Inspections in Palm Beach and Broward Counties
Combines two important insurance inspections into one convenient service. Evaluates the home's roof, electrical, plumbing, and HVAC systems, along with qualifying wind-resistant construction features that may help homeowners obtain insurance coverage and potential premium discounts.
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Starting at $425, up to 2,500 sq. ft.
What's included
- 4-point inspection
- Wind mitigation
- Roof certification
- Insurer-ready forms
The reports your insurer asks for
We complete 4-point, wind mitigation and roof certification inspections on the forms insurers require, often on the same visit as your home inspection.
Home inspection for insurance in South Florida
When you buy, refinance or renew a homeowners policy in Florida, the insurer may ask for one or more inspection reports before it will quote or bind coverage. A home insurance inspection is different from a buyer's inspection: it is shorter, focused on the specific items the insurer uses to judge risk, and reported on the insurer's own forms.
The 4 point insurance inspection reviews the roof, electrical, plumbing and heating and air conditioning, and is commonly requested for older homes. Wind mitigation insurance discounts depend on a separate report that records how well the home resists hurricane winds, including roof deck attachment, roof-to-wall connections, roof shape and opening protection. Some insurers also request a roof condition report confirming the roof's age, covering and remaining life.
Home insurance inspection: what do they check?
Insurers want to know about the hazards most likely to produce a claim. That means the age and condition of the roof, the type and condition of the electrical panel and wiring, the plumbing supply materials and water heater, the age of the air conditioning system, and visible leaks or damage. Older panel brands, certain plumbing materials and roofs near the end of their life are the items that most often lead to follow-up questions.
Related inspections and guides
Four-Point & Wind Mitigation Bundle: questions
All questionsWhat is a home insurance inspection?
A home insurance inspection documents the condition and features of a home on the forms an insurer uses to decide coverage and pricing. In Florida the most common are the 4-point inspection, the wind mitigation inspection and a roof condition report.
What do they check in a home insurance inspection?
They check the systems most likely to cause a claim: the roof, electrical panel and wiring, plumbing and water heater, and heating and air conditioning, along with any visible leaks or damage. A wind mitigation inspection adds the home's hurricane-resistant features.
What is a 4 point home insurance inspection?
A 4 point home insurance inspection reports the age and condition of the roof, electrical, plumbing and HVAC systems on the insurer's form. Insurers commonly require it for older homes before writing or renewing a policy.
Can a wind mitigation inspection help with my home insurance?
It can help. Florida insurers are required to offer discounts for verified wind-resistant features, and the wind mitigation report identifies features that may qualify for insurance discounts. Savings aren't guaranteed. The size of any discount depends on your home and your insurer.
Can I get the 4-point and wind mitigation inspections at the same time?
Yes. Both are usually completed on the same visit, and many buyers add them to their home inspection so there's only one appointment.
How quickly will I receive my insurance inspection reports?
Insurance forms are usually delivered within 24 hours of the inspection, so you can send them to your agent or insurer right away.
Related articles
September 18, 2026
How Long Is a Wind Mitigation Report Valid in Florida?
A Florida wind mitigation report is generally valid for up to five years, but a new roof or other upgrades can make it worth replacing sooner. Here is when to renew and why.
September 17, 2026
What Does a Four-Point Inspection Cover in Florida?
A four-point inspection looks at the roof, electrical, plumbing and HVAC systems so your insurer can judge the risk of an older Florida home. Here is what inspectors check and what insurers want to see.
Often booked together
Residential Home Inspection
A complete evaluation of the home you're buying, from the roof to the foundation, with a detailed photo report. Interior-only inspections for condominiums start at $325.
Starting at $450, up to 2,500 sq. ft.
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A personalized inspection experience designed for luxury residences, waterfront estates, custom homes, and high-value condominiums. Our experienced inspection team evaluates complex property systems and coordinates specialized assessments when appropriate, delivering detailed reporting tailored to the property's unique features.
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Professional property evaluations tailored to commercial buildings, focusing on accessible structural components, building systems, safety-related concerns, and observable deficiencies to help buyers and owners make informed property decisions.
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