Four-point inspections, are typically required to obtain homeowners insurance, it allows insurance companies to assess the condition of a home before providing coverage by identifying potential issues that could lead to an insurance claim.

A 4-point inspection in Florida typically remains valid for up to one year.

The cost of a 4-point inspection usually falls on the homeowner, regardless of whether they're obtaining a new policy or renewing an existing one.

- For the 4-point inspection the inspector only looks at the 4 points required by the insurance companies: Roof, electrical system, plumbing, Hvac system.

- A full home inspection offers a far more comprehensive assessment of the property including the roof, attic, interior spaces, windows, doors, foundation, structure, ventilation, insulation, heating/cooling systems, electrical and plumbing systems, built-in appliances, and more.

While a 4-point inspection itself typically doesn't directly lower your premium, it can influence your insurability.

Here's why:

Insurance companies use the inspection to assess potential risks associated with your home.

If the inspection reveals major issues with the roof, electrical system, plumbing, or HVAC, the insurance company may be hesitant to offer coverage or charge a higher premium to reflect the increased risk.

A wind mitigation inspection assesses the home's ability to withstand powerful winds. During this inspection the home inspector meticulously examines key features that bolster your home's defense against storms. These features go beyond the obvious and encompass everything from the way your roof is securely attached to the underlying structure to the impact resistance of your windows and doors.

Yes, wind mitigation features like hurricane straps and impact-resistant windows can demonstrate a sturdier home, potentially leading to a discount on your insurance.