Florida Insurance Inspections | Home, Roof & 4-Point Reports

Wind Mitigation Inspection. The inspection is valid for 5 years and examines seven key wind mitigation features:

1. Construction Year: the year your home was built, which tells the home inspector how strict the building codes were
2. Roof Covering: the type of roof covering (shingle, tile, etc.) and age of the roof
3. Roof Deck: the material your roof deck (i.e. the material your shingles are nailed to) is made of, the type of nails securing the shingles, and how far apart the nails are
4. Roof To Wall Attachment: the method used to attach the roof to your walls
5. Roof Geometry: the shape and slope of your roof
6. Secondary Water Resistance: the type of material between the shingles and roof decking
7. Opening Protection: whether you have additional protections on openings (such as storm shutters) such as a sunroof, garage door, windows, etc.

 4 point Insurance inspection is valid for one year, focusing on four key systems: 

1. Roofing
2. Electrical
3. Plumbing
4. HVAC (heating, ventilation, and air conditioning). 

It's often required by insurance companies to assess the condition of these systems and determine the level of risk for insuring a home, particularly for older properties

Generally, new homes do not require a 4-point home inspection for insurance purposes. However, some insurers might still request one if the home is approaching 10 years old or if there are questions about recent renovations or system updates.