4-Point & Wind Mitigation Inspections in Orlando, FL
Required by most Florida insurers for homes 20+ years old. InterNACHI certified inspectors. Same-day digital reports guaranteed delivered within hours of your appointment.
Insurance Inspection Coverage
4-Point Inspections, Wind Mitigation Inspections, and Roof Certifications are available within the greater Orlando metro area, including all of Seminole County, most of Orange County, and select areas of Volusia County. Call us to confirm availability in your specific location.
Call 407-205-7222Florida Insurance Law
What Does Florida Home Insurance Require?
Most Florida homeowners insurance carriers require a 4-Point Inspection before issuing or renewing a policy on any home 20 years or older. Citizens Insurance (Florida's insurer of last resort) requires one for homes 30 years or older, while many private carriers start at 20 years.
The Wind Mitigation Inspection is separate and serves a different purpose: it documents hurricane resistant features of your home that qualify for premium discounts. Virtually all Florida carriers accept or require it, and qualifying homes can potentially see meaningful savings on their annual premium.
If your insurer asks for one, they almost certainly need the other too. That's why our $175 combo, covering both in a single visit, is by far the most common choice for Central Florida homeowners at renewal, when switching carriers, or when purchasing a home built before 2005.
Age Thresholds by Carrier Type
20 years+
Common thresholdMost private carriers require a 4-point before issuing or renewing a policy. Wind mitigation is strongly incentivized.
25–30 years+
Citizens thresholdCitizens Insurance and stricter private carriers apply heightened scrutiny. Roof age becomes a primary concern.
40 years+
High scrutinyNearly all carriers require both a 4-point and wind mitigation. Roof replacement history and electrical panel type are closely reviewed.
What We Offer
Our Insurance Inspection Services
4-Point Inspection
$99
Evaluates the four systems Florida insurers care about: roof, HVAC, electrical, and plumbing. Required for most homes 20+ years old at policy renewal, when switching carriers, or when purchasing a resale home. Report accepted by all Florida insurers including Citizens.
Wind Mitigation
$99
Documents hurricane resistant features of your home using the Florida OIR-B1-1802 form accepted by all state carriers. Qualifying homes can potentially see meaningful premium reductions. The report is valid for 5 years.
Roof Certification
$99
A standalone report documenting your roof's current condition, material, age, and estimated remaining useful life. Requested by insurers separately from a 4-point, typically when the carrier needs to verify the roof before issuing coverage on an older home or after a storm.
Best Value
Bundle Both — Done in One Visit
4-Point + Wind Mitigation
Save $23 vs. booking separately
Florida law effectively requires both for most homes built before 2005. Our combo bundles them into a single visit under an hour: one inspector, two reports delivered to your inbox the same day. It's the most popular option for Central Florida homeowners at renewal or purchase.
What's included
4-Point Inspection + Wind Mitigation Inspection
Duration
Under 1 hour, single visit
Reports
Both delivered digitally same day guaranteed
Accepted by
All Florida carriers including Citizens
Valid for
5 years (wind mit) · varies by carrier (4-point)
4-Point Inspection
What Does a 4-Point Inspection Examine?
A 4-point inspection is a focused evaluation of the four systems Florida insurers care about most. It does not replace a full home inspection. It answers a single question for your carrier: is this home insurable today?
Roof
Covering material (shingle, tile, metal, flat), age, visible condition, and estimated remaining useful life. Insurers want to see a roof with at least 5–10 years of life remaining. Older roofs or those with visible damage are the most common reason a 4-point flags.
Electrical
Main panel type and amperage, wiring materials (aluminum wiring is flagged), and presence of known hazardous panels. Federal Pacific Stab-Lok, Zinsco, and Pushmatic panels are typically rejected by Florida insurers. GFCI and AFCI protection noted where present.
Plumbing
Supply pipe materials (copper, CPVC, PVC, galvanized, or polybutylene), drain materials, water heater age and condition, and visible leaks or damage. Polybutylene pipe is flagged by most Florida carriers due to its failure rate.
HVAC
System age, make, model, functional condition, and whether heating and cooling are operating as intended. Most carriers flag HVAC systems beyond useful life. We note both the air handler and condenser unit.
Important: a 4-point is not a pass/fail inspection
A 4-point is an assessment of the four major systems. It documents their current condition and lets your insurer decide what to do with that information. That said, certain findings commonly raise flags: roofs with less than 5 years of remaining useful life, Federal Pacific Stab-Lok or Zinsco panels, polybutylene or galvanized plumbing, and water heaters and HVAC systems beyond useful life. If your home has any of these, call us before booking. We can tell you what to expect and whether repairs before the inspection make sense.
Wind Mitigation
How a Wind Mitigation Report Saves You Money
Florida insurers are required by law to offer premium discounts for homes with verified hurricane resistant features. Our inspector documents those features using the Florida OIR-B1-1802 form, the state standard wind mitigation report accepted by every licensed carrier in Florida.
Roof Shape
Hip roofs (all sides slope down to the walls) earn the largest premium credits. Flat and gable roofs earn fewer or no credits for shape. If your roof is hip, this alone can generate significant savings.
Roof Deck Attachment
How the plywood or OSB decking is nailed to the rafters. 8d nails at 6-inch spacing provide stronger attachment than 6d nails and earn better credits. Stronger decking means less chance of the roof blowing off in a hurricane.
Roof-to-Wall Connections
How the roof structure ties to the walls. Clips, single wraps, double wraps, and structural anchors provide progressively stronger connections. Double wraps and anchors earn the highest credits and are most common in homes built post-2001.
Opening Protection
Impact-rated windows, doors, and garage doors (or permitted storm shutters) provide the largest single savings opportunity. A home with full opening protection (all windows, all doors, garage) can earn $500+ per year in credits.
Savings vary — qualifying homes can potentially see meaningful premium reductions
Your wind mitigation report is valid for 5 years. Submit the signed report to your insurance agent and they'll apply the credits at your next renewal, or immediately if you're switching carriers.
FAQ
Frequently Asked Questions About Florida Insurance Inspections
How much does a 4-point inspection cost in Florida?
A standalone 4-point inspection is $99 at Square Inspections. Bundle it with a Wind Mitigation Inspection for $175 total, saving $23 compared to booking both separately. Most Florida inspectors charge $75–$150 for a standalone 4-point.
How long is a 4-point inspection report valid in Florida?
Most Florida insurance carriers accept a 4-point inspection report for 3–5 years. Citizens Insurance typically requires a report dated within 5 years. When your carrier requests a new one, we can return and complete a fresh inspection quickly.
What fails a 4-point inspection in Florida?
The most common flags are: roof age or visible damage (most carriers want 5–10+ years of remaining useful life), Federal Pacific Stab-Lok or Zinsco electrical panels, polybutylene or galvanized plumbing, and HVAC systems beyond useful life.
Do I need both a 4-point and wind mitigation inspection?
Almost certainly yes if your home is 20+ years old. The 4-point satisfies your insurer's underwriting requirements: it tells them whether the home is insurable. The wind mitigation report documents hurricane resistant features that earn you premium discounts. They serve completely different purposes and are almost always required together.
Can both inspections be done in the same visit?
Yes, and that's exactly what our $175 combo is. One inspector, one visit of about 1.5 hours, both reports delivered digitally the same day. Most Central Florida homeowners who need one need both, so bundling makes sense.
What's the difference between a 4-point and a wind mitigation inspection?
A 4-point inspection evaluates four systems (roof, HVAC, electrical, plumbing) to determine if your home is insurable. A wind mitigation inspection documents hurricane resistant construction features (roof shape, connections, opening protection) that reduce your premium. One determines eligibility; the other determines cost.
Does Citizens Insurance require a 4-point inspection?
Citizens Insurance requires a 4-point inspection for homes 30 years or older. Many private carriers require it starting at 20 years. If you're getting a new policy or switching carriers, expect to need one regardless of age for homes built before 2004.
Do newer homes need a 4-point inspection?
Generally not. Homes under 20 years old rarely require a 4-point from private carriers. However, Citizens Insurance applies its own underwriting guidelines, and some carriers have their own thresholds. If your insurer is requesting one, call us at 407-205-7222 and we'll confirm exactly what you need.
How much can a wind mitigation inspection save me on insurance?
Savings vary depending on your home's construction features. Homes with qualifying features (hip roofs, impact windows and doors, strong roof-to-wall connections, and newer roof deck attachment) can potentially see significant premium reductions. The report is valid for 5 years.
Is a roof certification the same as a 4-point inspection?
No. A roof certification documents the roof's current condition and estimated remaining useful life as a standalone report. Your insurer may request it separately, especially for older roofs. A 4-point inspection covers the roof as one of four systems alongside HVAC, electrical, and plumbing. Call us and we'll confirm exactly what your carrier needs.
Service Area
Insurance Inspections Across Central Florida
Serving Orange, Seminole, Osceola, Volusia, Lake, and Polk counties. Same-day scheduling available throughout the Orlando metro area.
Get Started
Ready to Get Your Insurance Inspections Done?
Most Central Florida homeowners need both the 4-point and wind mitigation. Bundle them for $175 and get it handled in one visit, with same-day reports guaranteed and an InterNACHI certified inspector.