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4 Point / Wind Mitigation

Be sure to ask your insurance agent to see if you would benefit from these insurance reports. Then schedule an appointment with us and we will provide you with what you need.

Private Property
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What is a 4 Point / wind Mitigation inspection and why you need it ?

4 Point Inspection reports are for Insurance companies.

Ask your insurance agent if receiving these insurance reports will be beneficial for you. Make an appointment with us, and we'll give you what you require.

These reports contain the exact information an insurance provider requires to issue coverage and sometimes offer policy savings. They are typically necessary for older properties. This often refers to houses that are more than 5 years old, however every insurance provider is unique. So, if you're thinking about obtaining these services, we strongly urge that you contact your insurance provider. Be advised that many neighborhood insurance companies have been known to seek wind mitigation assessments on brand-new properties in order to offer discounts. You can frequently save much more with these discounts than the minimal report fee.



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:

  • Drainage, hose bibs, trims, soffit, facia, fences, gates, driveways, carports, awnings, wall coverings, and staircases are all included in the home's exterior.               

  • Pools and pool accessories                                                        

  • Walls, ceilings, floor coverings, lighting fixtures, fans, doors, and windows all make up the inside of the house.                                                                                               

  • patio, screen enclosure, and outdoor deck                           

  • washing machine, dryer, refrigerator, ice maker, stove, oven, garbage disposal, and dishwasher, among other appliances                                                                                       

  • Run faucets, showers, and flush toilets to check for leaks and water pressure in the plumbing.

  • Garage Doors

  • Fireplaces

  • Water heater

  • Electrical outlets are tested

  • Electrical meter and panel

  • HVAC system interior and exterior units with a condition inspection of the filter, coils, refrigerant lines, and duct work

  • Thermostat

  • Crawl space

  • Roof

  • Gutters and downspouts

  • Attic space

  • Outdoor kitchens

  • and other things not mentioned

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