4-Point & Wind Mitigation
4-Point & Wind Mitigation Inspections
If you own or are purchasing a home in Florida, there’s a strong chance your insurance company will require one or both of these inspections. They are not the same as a general home inspection — each serves a specific purpose related to your homeowner’s insurance. Radiant Property Inspection provides both 4-Point and Wind Mitigation inspections quickly, accurately, and with reports your insurance company will accept.
4-Point Inspections
What Is a 4-Point Inspection?
A 4-Point inspection is a focused evaluation of the four major systems in a home that insurance companies most care about. It is not a comprehensive home inspection — it is specifically designed to give your insurance carrier confidence in the condition and insurability of an older property. Insurance companies typically require a 4-Point inspection for homes 20 years old or older, though some carriers are now requesting them for homes as new as 15–19 years old.
The four systems evaluated are:
Roof
Age, condition, material, and estimated remaining life of the roof covering and structure.
Electrical
Type of wiring, panel brand and condition, and identification of any known hazardous panels or outdated systems such as aluminum wiring or Federal Pacific/Zinsco panels.
Plumbing
Type of supply and drain lines, water heater age and condition, and any visible leaks or concerns.
HVAC
Age, condition, and operational status of heating and cooling equipment.
Can You Fail a 4-Point Inspection?
Unlike a general home inspection, a 4-Point inspection can effectively be pass or fail from your insurance company’s perspective. Issues such as a roof beyond its useful life, known hazardous wiring, certain panel brands, or the absence of central air conditioning can result in your coverage being denied or a policy being non-renewed. If problems are identified, they can often be negotiated with the seller as part of the purchase contract — or addressed within a grace period provided by your insurer. Our inspectors will walk you through any findings and what they mean for your coverage.
How Long Does 4-Point Inspection Take To Complete?
A 4-Point inspection typically takes 35–45 minutes on-site. It can be performed on its own or conveniently bundled with your general home inspection or Wind Mitigation inspection in a single visit.
Wind Mitigation Inspections
What Is a Wind Mitigation Inspection?
A Wind Mitigation inspection evaluates your home’s ability to withstand hurricane-force winds. Florida law requires insurance companies to offer premium discounts to homeowners whose properties have specific wind-resistant features — and a Wind Mitigation report is how you prove those features exist and qualify for those savings.
What Do Inspectors Look For?
Our certified inspectors assess the key building characteristics that affect how your home performs in a windstorm, including:
Roof Covering
The type and installation method of your roofing material.
Roof Deck Attachment
How the roof decking is secured to the structure, including nail size and spacing.
Roof-to-Wall Connection
The type of connection between the roof structure and the walls — clips, single wraps, double wraps, or structural anchors.
Roof Shape
Hip roofs generally outperform gable roofs in high-wind events and qualify for greater discounts.
Opening Protection
The presence and rating of storm shutters, impact-resistant windows, and reinforced garage doors.
Year Built
Homes built to more recent Florida building codes often have inherently stronger wind-resistant construction.
How Much Can You Save?
Wind Mitigation discounts can be substantial — some Tampa Bay homeowners save hundreds or even thousands of dollars annually on their homeowner’s insurance premiums. Given Florida’s insurance climate, a Wind Mitigation inspection is one of the smartest investments a homeowner can make. The report is valid for five years and can be transferred to a new owner, adding value at resale.
What To Expect from Our Detailed Reports
Both inspections result in standardized reports accepted by Florida insurance carriers:
The 4-Point report documents the age, type, and condition of all four systems with supporting photographs.
•
The Wind Mitigation report uses the OIR-B1-1802 form, the state-approved document required by all Florida insurers.
•
Both reports are delivered promptly so you can submit them to your insurance carrier without delay.
•
Our inspectors are available to answer questions about your results and what they mean for your coverage.
Why Choose Radiant for Your
4-Point & Wind Mitigation Inspections
These inspections directly affect what you pay for homeowner’s insurance and whether you can get coverage at all. Accuracy matters — an incomplete or improperly documented report can cost you discounts you’ve earned or delay your closing. Our certified inspectors know exactly what insurance companies need to see, and we provide thorough, photo-documented reports that give your carrier everything required to make a coverage decision quickly.
Contact Us
Hillsborough 813-839-8416 | Pinellas 727-362-7192
Sarasota 941-462-1897 | Brevard 321-222-1253
Info@RadiantInspect.com
Radiant • Memorable • Extraordinary
Call Us Today!
Hillsborough: 813-839-8416
Pinellas: 727-362-7192
Sarasota: 941-462-1897
Brevard: 321-222-1253
Text Us at 813-906-1011 (SMS only)
WHY CHOOSE US?
- Family Owned & Operated
- Virtual Scheduling and Report Viewing
- Licensed and Insured
- Certified Master Inspectors & Continuing Education For All Inspectors
- Discounts for Military and First Responders
- Your Resource for Life
- Complimentary Concierge Services
- Single Source for All Inspection Needs
A RADIANT BLOG
Air Quality Testing — Why It Matters in Florida Homes
You can’t always see what you’re breathing—but in Florida homes, indoor air quality matters more than you think. With high humidity...
Radon Testing in Florida — Is It Really Necessary?
When people think about home inspections in Florida, they often focus on mold, roofs, or hurricanes. But there’s another risk that’s...
Termite Inspections in Florida — Protecting Your Investment
Florida’s warm, humid climate doesn’t just attract people—it attracts termites. And if left undetected, termites can cause serious...
The Importance of Mold Inspections in Florida Homes
In Florida, mold isn’t just a possibility—it’s a constant risk. With high humidity, frequent rain, and warm temperatures year-round,...