The Difference Between a 4-Point Inspection and a Wind Mitigation Inspection
These two inspections do completely different jobs, and it’s worth keeping them straight — even though they’re frequently booked together and handled by the same inspector on the same visit.
A 4-point inspection decides whether an insurance company is willing to cover your home at all. It’s a risk assessment. A wind mitigation inspection decides how much you’ll pay for that coverage. It’s a discount assessment. Put another way, the 4-point documents potential liabilities, while the wind mitigation documents verified wind-resistant construction features that earn you premium credits under Florida law. If you’re weighing a four point in Fort Myers alongside a wind mitigation inspection, that’s the core distinction to hold onto.
The roof gets looked at differently in each one
Both inspections involve your roof, but they’re studying two entirely different things. On a wind mitigation inspection, the roof work happens mostly from inside the attic — the focus is on what holds the roof down: the structure, the connections, the deck attachment. The only things evaluated from outside are the roof covering material and the shape of the roof. On a 4-point, it’s essentially reversed. The inspector scans your interior ceilings for signs of leaks and photographs the roof from above in detail to document the covering’s condition, age, and remaining life. Same roof, two separate inspections, looking for two separate things.
Both matter. But they answer different questions, run on different forms, follow different rules, and produce different results. If you need both, doing them in one appointment is the sensible move — just understand you’re getting two distinct inspections and two distinct reports. (For the wind mitigation side in the same depth this site covers 4-points, see wind-mitigation.info.)
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| 4-Point Roof Inspection (Above) Wind Mitigation Inspection (Below) |
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