InterNACHI® Certified Professional Inspectors · Clermont, FL

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Insurance inspections · Clermont & Central Florida

Wind Mitigation & 4-Point Inspections in Clermont & Lake County, FL

In Florida, a wind mitigation inspection is how you earn discounts on the wind portion of your homeowners insurance — and a 4-point documents the major systems carriers underwrite. We make sure you get every credit and photo your agent needs.

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Wind mitigation

What is a wind mitigation inspection?

A wind mitigation inspection rates how well your home can withstand high winds and hurricanes. Unlike a standard home inspection, the report is built for your insurance carrier. We evaluate structural connections and protection features, then file the findings on the state’s OIR-B1-1802 form.

  • Building code year and terrain exposure
  • Roof shape (hip roofs often earn stronger credits)
  • Roof-to-wall connections: clips, wraps, single/double wraps
  • Roof deck attachment and nailing pattern
  • Opening protection: shutters, impact glass or panels (all-or-nothing for the credit)
  • Secondary water resistance when it can be verified

A typical wind mitigation visit takes about 30 to 60 minutes on site. You get a professional PDF with required photos to email your agent.

Inspector documenting roof conditions for a wind mitigation and insurance inspection
Electrical panel documentation during a 4-point insurance inspection

4-point inspection

What is a 4-point inspection?

The 4-point grew out of Florida’s post-Hurricane Andrew underwriting needs. It focuses only on four systems:

  • Roof — covering, age, visible condition
  • Electrical — service equipment, visible wiring concerns
  • Plumbing — supply/drain materials and visible risks
  • HVAC — age, type and visible condition

Carriers want photo documentation of each system’s current condition and age. We provide exactly that, on the forms they expect.

Pricing

Wind mit & 4-point cost

Adding a wind mitigation or 4-point to a full home inspection starts at $100 each. Each additional building is +$125. Existing-home bundles that already include these items start at $560 — see Services & fees.

Standalone wind mitigation or 4-point appointments are quoted up front for your address. Get a fast quote or call or text (352) 272-1322.

Inspections are performed by our InterNACHI Certified Professional Inspectors. Kirk Curtis, a Certified Professional Inspector, leads most residential inspections; owner Grant Doutt — a Certified Master Inspector® through InterNACHI and a CCPIA commercial inspector — reviews every report before it is delivered.

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Four Corners bundle pricing examples for home inspection with wind mitigation and 4-point add-ons
Bundle pricing examples — your quote is based on square footage.

Why Four Corners

Insurance inspections done right

01

Every credit documented

We look for every wind-mit feature you qualify for — not a bare-minimum walkthrough.

02

Official forms

Filed on the state’s OIR-B1-1802 and standard 4-point forms carriers recognize.

03

Same-day reports

Digital delivery with photos so your agent can update the policy quickly.

Services & feesBundles that include wind mit and 4-point.Roof certificationsWhen a carrier asks for a roof cert.InfraredThermal clues during a full inspection.Lake CountyClermont, Minneola, Groveland & more.OrlandoMetro coverage.Schedule nowPick a time online.
What holds your roof onFrom the Knowledge CenterWhere roofs really leakFrom the Knowledge CenterElectrical panelsFrom the Knowledge Center

Wind Mitigation & 4-Point

Frequently asked questions

Straight answers before you book.

What is a wind mitigation inspection?
It documents features that help your home resist hurricane and high-wind damage — roof shape, roof-to-wall connections, roof covering, opening protection and more — on Florida’s OIR-B1-1802 form so your insurer can apply premium credits.
How much can I save on insurance?
Depending on your home’s features, savings commonly range from about 10% to 45% off the wind portion of the policy. Your agent applies the credits from our report; we document every qualifying feature we can verify.
Is wind mitigation mandatory?
No. It is optional — but without a current report, you are often leaving credits on the table.
How long is a wind mitigation report valid?
Most carriers accept these reports for about five years, subject to their underwriting rules.
What is a 4-point inspection?
A 4-point covers the four systems insurers care about most: roof, electrical, plumbing and HVAC. Carriers typically require one before writing or renewing a policy on an older home.
Is a 4-point the same as a full home inspection?
No. A full home inspection is your due diligence on the whole property. A 4-point is an insurance tool focused only on those four systems and their age/condition.
Can I fail a wind mitigation inspection?
No. There is no pass or fail. We document what is present so your agent can claim every credit you deserve.
Do you check secondary water resistance (SWR)?
On a wind mitigation inspection we document SWR when it can be verified (for example, a peel-and-stick layer under the roof covering). Note: our new-construction home inspections do not check secondary water barriers; SWR is an insurance wind-mitigation item.
What does it cost?
Adding a wind mitigation or 4-point to a full home inspection starts at $100 each (each additional building +$125). Standalone pricing is quoted up front — get a quote or see our bundles.
Who performs the inspection?
Inspections are performed by our InterNACHI Certified Professional Inspectors. Kirk Curtis, a Certified Professional Inspector, leads most residential inspections; owner Grant Doutt — a Certified Master Inspector® through InterNACHI and a CCPIA commercial inspector — reviews every report before it is delivered.

What homebuyers say

700+ five-star reviews on Google and Spectora

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Read what Central Florida homebuyers say about working with us, or share your own experience.

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Ready to book your wind mitigation & 4-point?

Schedule online, or call or text (352) 272-1322. Mon–Sat 8:00 am–6:00 pm, closed Sunday.

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