Is Your Home Insurance at Risk?
If you’re buying a home or renewing your insurance in Florida, there’s a good chance your insurance company will ask for a 4-Point Inspection or a Wind Mitigation Inspection — maybe even both. Don’t panic! These inspections are simple, affordable, and can save you serious money in the long run.
What is a 4 POINT INSPECTION?
A 4-Point Inspection focuses on four key areas of your home:
- Roof
- Electrical system
- Plumbing
- HVAC (heating and cooling)
Insurance companies want to make sure these systems are in good shape before offering or renewing coverage. If your home is older (usually 10+ years), this inspection is often required.
WHAT IS A WIND MITIGATION INSPECTION?
This inspection checks how well your home is built to stand up to strong winds and hurricanes. The stronger your wind protection, the bigger the discounts you might get on your insurance premium.
Inspectors look at:
- Roof shape and covering
- Roof-to-wall attachments
- Window and door protection
- Building code compliance
A Wind Mitigation Report can often lead to hundreds in annual savings and it’s good for five years!
Why These Inspections Matter
Florida weather can be unpredictable, and insurance companies want to manage risk. By having these inspections done:
- You avoid delays in getting or renewing coverage
- You know where upgrades might be needed
- You may unlock significant savings
Get Ahead of the Game
Don’t wait until the last minute. If you’re buying a home, check if your insurance company requires these reports. If you’re already a homeowner, reviewing your last Wind Mitigation report could be your ticket to lowering your next premium.
NEED ONE OR BOTH? WE’VE GOT YOU COVERED
At Square 1 Home Inspections, we offer quick scheduling, fast turnaround times, and bundled pricing to make things easy. Whether it’s a 4-Point, Wind Mit, or both we’re ready to help!
Have questions or ready to schedule an inspection? Contact us today!
