Quick answer
An insurer may request a four-point inspection, particularly for an older home, to assess major systems relevant to insurability. A wind-mitigation inspection documents features such as roof-to-wall attachment and opening protection for the insurer’s review.
The reports can affect insurance availability, required repairs or premium credits and therefore should be obtained early enough to address questions before closing.
What a four-point inspection covers
The inspection focuses on the roof, electrical system, plumbing system and heating and air-conditioning system. It is narrower than a buyer’s general home inspection.
The insurer determines whether the report is required, how current it must be and whether the findings are acceptable.
What wind mitigation documents
A qualified inspector completes Florida’s uniform mitigation form and photographs eligible construction features. The insurer reviews the form to determine applicable credits or discounts.
An inspection does not promise a particular premium reduction. The home’s features, policy, carrier and current rating rules determine the result.
How inspections affect the mortgage
The lender needs acceptable insurance by closing. If an inspection identifies an issue that prevents binding coverage, the buyer may need repairs, another insurer, revised financing or a contract decision.
Coordinate the insurance agent, inspector, lender and real estate professionals rather than waiting until final underwriting.