What are 4 Point and Wind Mitigation Reports
Wind Mitigation Inspection Reports
A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance
In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy's premium.
The purpose of a windstorm or wind mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane.
Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier.
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
Inspectors will collect the following information during an inspection, the age of the home to determine what building code was in place at the time of construction, the age of the roof, documentation to prove if the roof was installed to any certain building code, the roof deck attachment, roof to wall connection, roof shape, existence of a SWR and the opening protection of the doors and windows.
4 Point Inspection Reports
A Four Point inspection is NOT a Home Inspection or a subset of a home inspection.
A four point home inspection is NOT a pre-purchase/pre-sale home inspection, which is much more comprehensive in nature. The four point home inspection only satisfies insurance carrier requirements of 4 particular home systems (Plumbing, Electrical, HVAC, Roof). A 4 point report ONLY reports on specific items for these systems that the insurance companies need to verify if the home is insurable and lacks the necessary information for you to make an informed decision in buying a home or its condition for selling.
It also is not a guarantee that the insurance carrier will qualify you, that the home is insurable, that the carrier will require no other certifications or inspections, or that you won’t be required to have work performed after the home inspection.
Many insurance companies are opting out of homeowners insurance because of the increase in claims and the remaining few companies require either a wind mitigation inspection, a roof certification or full roof inspection as well as a 4 point inspection to be carried out to protect their liability prior to writing the policy.
Ask your insurance carrier if you need a 4 point inspection.