Florida Insurance
Wind Mitigation vs. Four-Point Inspection
Both are common Florida insurance inspections, but they document different property features and serve different underwriting purposes.
QUICK ANSWER
The most important distinction—up front.
A wind mitigation inspection documents qualifying construction features that may reduce wind-loss risk and support available insurance credits. A four-point inspection documents the age, type, and visible condition of the roof, electrical, plumbing, and HVAC systems.
AT A GLANCE
Start with the decision you need to make.
These three perspectives organize the topic before the guide moves into the details, records, limitations, and next steps.
Wind Mitigation
Documents supported wind-resistant construction features.
- ✓Roof-deck attachment
- ✓Roof-to-wall connection
- ✓Roof geometry
- ✓Opening protection
Four-Point
Documents four major systems for underwriting review.
- ✓Roof condition
- ✓Electrical
- ✓Plumbing
- ✓HVAC
Ordering Both
Common when starting or renewing a Florida property policy.
- ✓Separate reports
- ✓Shared appointment
- ✓Supporting photographs
- ✓Carrier makes final decision
What wind mitigation documents
The inspection records supported construction features associated with wind resistance. The approved form relies on visible evidence, permits, product approvals, or other qualifying documentation—not assumptions based only on appearance.
- Building-code era
- Roof-covering information
- Roof-deck attachment
- Opening protection documentation
What the four-point documents
The four-point report is concerned with the major systems most often reviewed by insurance underwriters. It records system information and visible concerns but does not calculate wind credits.
- Roof age and condition
- Electrical panel and wiring
- Plumbing materials and leaks
- HVAC age and condition
Why documentation matters
A feature may be present but not receive credit if it cannot be verified to the form’s requirements. Permits, labels, product approvals, and installation records can help the inspector support an accurate classification.
- Shutter labels
- Impact-glass markings
- Roof permits
- Prior mitigation reports
What happens after the inspection
T.A.P. completes and delivers the applicable report with supporting photographs. Your insurance agent or carrier applies its own underwriting rules, discounts, expiration policies, and eligibility decisions.
- Review the report for accuracy
- Send it to the requesting party
- Retain supporting documents
- Ask the carrier about available credits
PROPERTY-DECISION CHECKLIST
What to remember.
Use these points when speaking with your inspector, insurance professional, association, contractor, or other advisor.
RELATED T.A.P. SERVICE
Document the home’s wind-resistant features
See what T.A.P. reviews, what records help, and how to schedule a wind mitigation inspection.
COMMON QUESTIONS
Clear answers before you schedule.
Does a wind mitigation inspection guarantee a discount?+
No. The report documents qualifying features. The insurance carrier determines whether credits apply and how they affect the policy premium.
How long is a wind mitigation report valid?+
Florida insurers commonly use a report for a limited period, but acceptance can vary. Confirm current requirements with your agent or carrier before relying on an older report.
Do impact windows automatically qualify?+
They must be supported by acceptable markings, product approvals, permits, or other documentation and must satisfy the form’s requirements. Appearance alone may not be enough.
Should I provide an older report?+
Yes. An older report may identify previously documented features and can help the inspector understand what supporting information may be available, though a current inspection may still be required.
MARCO ISLAND • NAPLES • FORT MYERS
Need property-specific answers?
General guidance is a starting point. A properly scoped inspection evaluates the visible and accessible conditions of the actual property.