THIS REPORT IS FOR THE EXCLUSIVE USE OF THE CLIENT LISTED ON THIS REPORT. USE BY ANY OTHER PERSONS WITHOUT THE EXPRESS CONSENT OF FAIR WINDS BUILDING INSPECTION SERVICES, LLC. WILL BE A VIOLATION OF A CONTRACTUAL AGREEMENT AND WILL IMMEDIATELY NULLIFY THE REPORT.

The Scope and Purpose of an Insurance Inspection

In Florida, insurance companies may require one or both of the following inspections to assess a home’s risk and determine eligibility for coverage or discounts.

4-Point Inspection

A “four-point” inspection is a limited visual inspection of the residential structure. A four-point inspection is not exhaustive and is limited to a visual inspection of the four systems and components, which include: 1) the electrical panel and any visible wiring; 2) the plumbing system and any visible pipes; 3) the HVAC system and any visible connections; and, 4) the roof covering and any visible issues. This inspection is not as comprehensive as a full home inspection and is intended only to assess the general condition of these systems.

Wind Mitigation Inspection

A wind mitigation verification inspection is conducted to determine whether a home has specific features designed to withstand strong winds. This inspection is limited to the items listed on the Uniform Mitigation Verification Inspection Form and does not assess other home components. The purpose of this inspection is to verify wind-resistant construction features that may qualify the homeowner for insurance discounts. However, this inspection does not guarantee that a home can withstand severe weather events.

Inspection Reports & Limitations

Findings from these inspections will be documented on the Citizens’ 4-Point Inspection Form and/or OIR-B1-1802 (Rev. 01/12). These reports are not intended to certify compliance with local building codes. They provide a visual assessment of current conditions and identify observed deficiencies at the time of inspection based on the professional opinion of the inspector. If you need confirmation of compliance with building codes, I recommend consulting with the appropriate local building officials.