4 – Point Insurance Report

A 4-point report is often required when obtaining a new homeowners insurance policy or renewing an existing policy, it is not in lieu of a home inspection. The report covers the roof, plumbing, electrical, & HVAC systems of the home for insurance purposes to determine insurability. It is best to contact your home owner’s insurance agency to determine if this is needed.

The focus of the 4-point is to determine the approximate age, components, and general condition of these systems. Insurance companies will typically require that the 4-point reports be performed by licensed home inspectors. All of our 4-point insurance reports are completed by our State licensed and certified Inspectors.

Note: There are many insurance companies, and inspection requirements can vary and change at any time. You should consult with your insurance provider concerning any specific requirements.

4-Point Report

Wind Mitigation Report

A wind mitigation report is an inspection of the areas of a structure that assists in protecting it from hurricane-force winds. If a home has these protective features in place correctly, it can qualify for wind credits with any insurance company in Florida.

We examine the year the home was built, if the home was built on 9/1/1994 or after the home qualifies for the 1994 or 2001 South Florida Building Code credit.

We determine the year the roof was built, a roof built on or after 9/1/1994 also qualifies for a windstorm credit (possible discounted rates on insurance premiums).

Next, we will access the attic for hurricane features in the construction. We will inspect the roof decking type, the size of the nails used to fasten your deck, and the nailing pattern of your roof deck, all of which qualify for discounts on your policy.

We will examine the roof to wall attachments and determine whether double wraps, single wraps, clips, or toenails were used.

The following step would be to determine what geometric shape your roof has: a hip roof may qualify for a discount on your insurance premium.

Finally, we will check all the exterior openings on your home and determine what type of opening protection credit you deserve. A Wind Mitigation is the most effective inspection type in lowering your insurance premium.

***Insurance companies may send a representative to perform their own “insurance inspection” after closing. Insurance companies may require additional work to be performed and have the right to amend and/or cancel the policy (Refer to your policy for details). Peace of Mind Home Inspections has no authority regarding this.