The Value of Inspection Reports in Florida

In Florida, most carriers are now requiring a 4 Point Inspection Report and a Wind Mitigation Report to quote and bind your Homeowners Insurance Policy. The reason being is that their underwriting guidelines keep getting stricter due to the lack of reinsurance availability. Even though new construction homes do not require these reports, it is highly recommended that all properties eight years and older get these reports to get a complete and honest quote on their home. Below, we will give you a brief explanation of what these reports are for.

4 Point Inspection

A 4-point inspection is a specialized assessment performed by licensed home inspectors or insurance companies. It focuses on four key areas of a residential property: the roof, electrical system, plumbing system, and HVAC (heating, ventilation, and air conditioning) system. The purpose of a 4-point inspection is to evaluate the condition and age of these essential components. This inspection is often required by insurance companies when issuing or renewing a homeowner’s insurance policy for an older home, typically 20 years or older. Nowadays, some insurance companies are requiring this report for homes 10 years or older. This inspection helps insurance companies assess the risk associated with these older systems and determine coverage eligibility.

Wind Mitigation

In Florida, a wind mitigation report is a document that assesses the structural features and construction of a residential property regarding its ability to withstand wind damage during severe weather events, particularly hurricanes. The report is conducted by a qualified inspector or roofing company.

The purpose of a wind mitigation report is to identify specific features and factors that may reduce the risk of wind damage to the property. This includes elements such as the roof shape, construction materials, roof-to-wall connections, window and door protection, and the presence of certain additional protective measures like hurricane shutters.

The information in the wind mitigation report is used by insurance companies to determine the potential risk associated with a particular property. Homeowners who have a wind mitigation report showing favorable features and improvements may be eligible for insurance premium discounts or other incentives provided by insurance companies.

It’s worth noting that wind mitigation reports are particularly relevant in Florida due to the state’s vulnerability to hurricanes and strong winds. These reports help homeowners take steps to reinforce their homes and make them more resilient to severe weather conditions.

Remember, when looking for Homeowners or Rental Property Insurance in Florida, it is important to assess your specific needs to have the right insurance program. At Deer Insurance Agency we guide you through this process and help you get the policy that works best for you and your family. Start your quote process HERE and provide us with the information we need to prepare you a complete and honest quote.

Deer Insurance Agency, LLC is an independent insurance agency licensed in the States of Florida, South Carolina, and Maryland. If you live in any of the States we provide insurance solutions and need an insurance program, please email us at We are always happy to help you.

At Deer Insurance Agency, you are DEER to our HEART!