What is a 4 Point / wind Mitigation inspection and why you need it ?
4 Point Inspection reports are for Insurance companies.
We recommend consulting with your insurance agent to determine whether a 4-point or wind mitigation report would benefit your policy. Once confirmed, schedule your inspection with us—we’ll ensure you receive the accurate, compliant documentation needed.
Our 4-point and wind mitigation reports provide the specific information insurance providers require to issue or renew coverage—and in many cases, to apply eligible policy discounts. These inspections are especially important for older homes, typically those over five years of age, though requirements can vary by insurer.
We recommend contacting your insurance provider to confirm what inspections are needed for your property. It's worth noting that many local insurers may request a wind mitigation inspection even for newer homes in order to qualify for discounts. In many cases, the savings from these discounts can exceed the cost of the inspection itself.


WHAT IS A 4 POINT / WIND MITIGATION?
A Four Point Checklist is NOT a home inspection or a portion of one. This report gives an insurance company the precise details they require on four aspects of a home in order to assess whether it is insurable.
A four point home inspection is NOT a pre-purchase/pre-sale house inspection, which is significantly more thorough. The four points only meet the requirements of 4 specific home systems (Plumbing, Electrical, HVAC, and Roof) as set forth by insurance companies.A 4-point report ONLY covers the specifics that the insurance companies need to know in order to determine whether the house is insurable. We always advise getting a thorough home inspection done in addition to a 4 point because this report lacks the information you need to make an informed decision about buying a house or its condition for selling.
Although the roof of the house is examined for general quality and condition, any broken or chipped tiles or partially damaged shingles will not be noted in this report. The HVAC inspection includes a visual check for the presence of the units and a temperature adjustment test to make sure the system is operating in accordance with industry standards. The ductwork, refrigerant lines, filter condition, interior and exterior coil condition, and other items are examined in the comprehensive home inspection and are not included in this inspection. The electrical system of the house is examined visually by looking at the electrical panel to make sure there is a sufficient power supply and suitable wiring. Furthermore, only outlets that are GFCI protected are inspected; nevertheless, non-protected outlets, lighting fixtures, fans, and meters will not be checked. To check for correct supply pressure and drainage, the plumbing of the house is also tested by running water in sinks, showers, and flushing toilets. Additionally, a visual inspection and a heating temperature test are performed on the water heater. Any potential safety risks with the water heater, however, are not mentioned in the paper.
Additionally, it is NOT a promise that you will be approved by the insurance company, that the house is insurable, that the carrier won't demand any additional certifications or inspections, or that you won't need to have repairs done after the home inspection.
Due to the rise in claims, many insurance companies are abandoning the homeowner's insurance market, and the few that remain demand, before writing the policy, the completion of a 4 point inspection, a roof certification, or full roof inspection, as well as a wind mitigation inspection. Therefore, if you require a 4 point, we advise that you always ask your insurance provider.
These insurance reports should not be used in place of a full home inspection which is more thorough and detailed in nature.
You will receive a thorough 40–80 page report with images after a full house inspection detailing the structure's state and functionality.
Items inspected during a full home inspection, but NOT included in a 4 point or wind mitigation report:
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Drainage, hose bibs, trims, soffit, facia, fences, gates, driveways, carports, awnings, wall coverings, and staircases are all included in the home's exterior.
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Pools and pool accessories
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Walls, ceilings, floor coverings, lighting fixtures, fans, doors, and windows all make up the inside of the house.
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patio, screen enclosure, and outdoor deck
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washing machine, dryer, refrigerator, ice maker, stove, oven, garbage disposal, and dishwasher, among other appliances
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Run faucets, showers, and flush toilets to check for leaks and water pressure in the plumbing.
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Garage Doors
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Fireplaces
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Water heater
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Electrical outlets are tested
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Electrical meter and panel
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HVAC system interior and exterior units with a condition inspection of the filter, coils, refrigerant lines, and duct work
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Thermostat
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Crawl space
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Roof
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Gutters and downspouts
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Attic space
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Outdoor kitchens
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and other things not mentioned