Wind Mitigations and 4-point Inspections
Insurance companies may request two different types of inspections: Wind Mitigations and 4-point Inspections. Insurance companies require much more information to bind a new insurance policy than in the past. Some insurance companies have different guidelines for 4-point inspection reports. Our reports include the majority of insurance company’s requirements. A certified inspection company is highly recommended to perform these inspections.
A 4-point inspection is required for homes 30 years of age or older. Some insurance companies may require it regardless of the age. This inspection informs the insurance company of details to qualify the home in order to bind the policy. Details of the report include, but are not limited to:
- Roof System
- Primary construction
- Heating System and Air Conditioner
Note: Keep in mind this is not a home inspection report. A 4-point inspection report should be used for insurance purposes only.
A Wind Mitigation inspection is needed for the home owner to qualify for specific discounts on the home owner’s insurance. Details of the report include, but are not limited to:
- Window and door protection
- Garage door rating
- Hurricane clips
- Rafter spacing
- Thickness of roof decking and type
- Nail size for decking
- Roof configuration and other items
There are no pass or fails on this inspection; however, the findings may affect the cost of your insurance premium. This type of inspection is not a requirement to obtain home owner insurance; however, one may receive substantial discounts on their insurance premium. We hope this information helps answer any question you may have on these types of inspections. Feel free to call with any additional questions.
A Wind Mitigation report is completed with clear, colored photos and emailed to you in a pdf format. We do offer hard copies as well for an additional cost.