⚠ Draft (engine test) — informational, sourced June 2026; not legal/financial advice. CTA is a placeholder.
Home-sale inspections

Do You Need a 4-Point Inspection in Florida? (+ Wind Mitigation)

A quick checker plus plain answers on cost, what's checked, and how wind mitigation cuts your premium — 2026.

✓ Reviewed June 23, 2026 · sources: FL OIR, Citizens, Florida Statutes

Not legally required — but your insurer will require it for an older home. In Florida, Citizens requires a 4-point for homes over 20 years old to bind or renew; many private carriers require it at 30+.

Pair it with a wind mitigation inspection — optional, but it can cut the windstorm part of your premium by up to ~88%.

Do I need a 4-point inspection?

Answer 2 questions. Florida-specific. Informational — your insurer sets the exact rule.

⚠ Guidance only — not an official determination. Always confirm with your lender/insurer and the official source (.gov) before acting. See Disclaimer.

What a 4-point inspection checks

It reviews four systems — roof, electrical, plumbing and HVAC — to confirm the home is insurable. It is narrower than a full home inspection (which is for the buyer); the 4-point is for the insurer. Common red flags: a roof past its life, Federal Pacific or Zinsco panels, and polybutylene plumbing.

Quick facts

4-point & wind mitigation in Florida — 2026 (insurer rules vary — verify)
Legally required?No — insurer-required for older homes
Citizens thresholdHomes >20 years; report dated within last 12 months
Private carriersOften 30 or 40 years (varies)
4-point cost~$75–$175 (avg ~$125)
Wind mitigationOptional; form OIR-B1-1802; valid up to 5 years; discount up to ~88% of windstorm premium
Bundled cost~$125–$250 (cheaper together)
Who paysUsually the homeowner / buyer
Why wind mitigation pays off: Florida law (Fla. Stat. §627.0629) requires insurers to give credits for verified wind-resistant features, recorded on the state OIR form OIR-B1-1802. A hip roof, strong roof-to-wall connections and impact openings can sharply lower the windstorm portion of your premium.

Find your city

Miami, FL Orlando, FL

Common questions

Do I need a 4-point inspection in Florida?
A 4-point inspection is not required by law, but Florida insurers require one to bind or renew a homeowners policy on older homes. Citizens Property Insurance requires it for homes over 20 years old; many private carriers require it at 30 or 40 years. It reviews four systems: roof, electrical, plumbing and HVAC.
What is a wind mitigation inspection and is it required?
A wind mitigation inspection is optional, never required, and documents wind-resistant features on Florida form OIR-B1-1802. Florida law (Statute 627.0629) requires insurers to give premium discounts for verified features; credits can reach up to about 88% of the windstorm portion of the premium. It is valid up to 5 years.
How much does a 4-point inspection cost in Florida?
A 4-point inspection in Florida typically costs about $75 to $175 (average around $125). A wind mitigation inspection is about $75 to $150. Bundled together they commonly run $125 to $250, cheaper than buying them separately. The homeowner or buyer usually orders and pays.
How old does a house have to be to need a 4-point in Florida?
It depends on the insurer. Citizens requires a 4-point for homes over 20 years old, and the report must be dated within the last 12 months. Many private carriers set the threshold at 30 or 40 years. Newer homes usually do not need one.

Key terms

4-point inspection
Insurer review of roof, electrical, plumbing and HVAC on an older home.
Wind mitigation (OIR-B1-1802)
Inspection of wind-resistant features that earns premium credits; valid up to 5 years.
Citizens
Florida's state-backed insurer of last resort; sets common 4-point rules (>20 yrs).
HVHZ
High-Velocity Hurricane Zone (Miami-Dade & Broward) — stricter product-approval standards.

Sources