Florida wind mitigation and 4-point inspections

Wind mitigation and 4-point inspection guides for Florida homeowners

Plain-English guides to Florida wind mitigation inspections and 4-point inspections: what they cost, how the OIR-B1-1802 form works, and how each one can lower your homeowners insurance premium. Get connected with a licensed inspector serving your county.

Get connected with a licensed inspector

Step 1 of 2

By sending this you agree to be contacted about your enquiry so we can connect you with a licensed inspector serving your area. See our Privacy Policy.

Guides and resources

Wind Mitigation Inspection: What Florida Homeowners Need to Know

A wind mitigation inspection documents the hurricane-resistant features already built into your home so your insurer can apply the premium discount Florida law requires. Here is what gets checked, what it costs, and how to get one.

4-Point Inspection in Florida: What It Checks and When You Need One

A 4-point inspection is a short check of your roof, electrical, plumbing, and HVAC systems that most Florida insurers require for homes over 20 years old. Here is what happens, what fails it, and what it costs.

Wind Mitigation Inspection Cost in Florida (Plus 4-Point Pricing)

A standalone wind mitigation inspection runs roughly $75 to $150 across Florida, with South Florida a little higher. Here is the real regional breakdown, bundled pricing, and what actually moves the price.

Wind Mitigation vs. 4-Point Inspection: What's the Difference

A wind mitigation inspection can lower your premium. A 4-point inspection is often required just to get coverage on a home 20 years or older. Here is how they differ and when you need each.

OIR-B1-1802 Explained: The Florida Wind Mitigation Form, Question by Question

The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is the exact document your insurer uses to price your windstorm discount. We read the form itself and Florida's insurance statutes to explain what every question actually asks.

How to Read Your Wind Mitigation Inspection Report

Your wind mitigation report is the completed OIR-B1-1802 form. Here is what each section's letter grades mean, which answers matter most for your discount, and what to check before you send it to your insurer.

See all 20 guides

Wind mitigation and 4-point inspections, in plain English

A wind mitigation inspection documents the hurricane-resistant features already built into your home, such as your roof shape, roof-deck attachment, and window protection, on a state form called the OIR-B1-1802. Florida law (Statute 627.0629) requires every residential insurer to offer a discount for those features, so the inspection is the paperwork that unlocks a lower windstorm premium, not a pass/fail test.

A 4-point inspection is a different, shorter check of four systems, roof, electrical, plumbing, and HVAC, that most Florida insurers require before they will write or renew a policy on a home 20 years or older. It protects the insurer against old wiring, old plumbing, and worn-out roofs, and it is a condition of coverage rather than a discount.

Homeowners often need both at the same time, especially when buying an older home or renewing a policy for the first time with a new carrier. The guides below cover what each inspection checks, what they cost, who is licensed to perform them, and how to read the report you get back.

How much your home's wind mitigation features are actually worth

Florida publishes exactly one statewide discount figure: a minimum 68% off the windstorm portion of your premium for homes that meet the 2001 building code. We built the full per-feature credit reference table from the state's own consumer guide and the OIR-B1-1802 form, plus a checker that shows which features your home shows signs of qualifying for, honestly, with no invented dollar total.

Check your home's features