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Needed at closing for a new purchase, and just as often when an insurer requests a new wind mitigation or 4-point inspection at renewal.
A 4-point inspection is a focused review of a home's four highest-risk systems for an insurer: roof, electrical, plumbing, and HVAC. Most Florida carriers require one for homes past a certain age, commonly 25 to 30 years, though the exact cutoff varies by insurer, before writing or renewing a policy.
A wind mitigation inspection documents storm-resistant features of a home, such as roof shape, roof-to-wall attachment, and opening protection, that many Florida insurers use to apply premium discounts. It does not guarantee a lower rate, but it is the only way to get credit for those features if the home has them.
Yes. Insurers frequently request an updated 4-point or wind mitigation inspection at policy renewal, especially after a carrier change or policy review, not only at the time of purchase. This is just as common a reason to search for a licensed inspector as a new home purchase.
There is no single statewide rule; it depends on the insurance carrier. Many insurers treat a wind mitigation report as valid for around five years, but some request updates sooner, so homeowners should confirm with their insurance agent before assuming an older report still applies.
Licensed Florida home inspectors are registered with the Department of Business and Professional Regulation (DBPR) and issued a license number. Homeowners can verify any inspector's license number directly with the DBPR before booking an inspection.
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