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Four-point and wind mitigation reports, explained
Most South Florida insurers ask for these two short reports. Here is what each one checks, why they matter to your sale, and when to get them.
By Danielle Salomon and Simone Pakoys · Updated 11/12/2026 · General information, not legal or tax advice.
In South Florida, getting insurance often decides whether a sale closes on time. Two short reports carry a lot of weight with insurers, and a seller who has them ready makes the buyer's job easier.
The four-point inspection
It looks at four systems: the roof, electrical, plumbing and heating and air conditioning. It records each one's age, type and condition, usually with photos. Insurers commonly ask for it on older homes, and each insurer sets its own age rules.
It is not a full home inspection. Buyers still get their own inspection.
The wind mitigation report
It documents features that help a home stand up to hurricane winds: roof shape, how the roof is attached, roof-to-wall connections, a secondary water barrier, and protection for windows and doors such as impact glass or shutters. Homes with qualifying features may get insurance discounts.
Why it matters when you sell
- Buyers ask for insurance quotes early. With these reports in hand, quotes come back on facts, not guesses.
- Roof age is often the deciding factor. Have the roof permit date ready.
- A recent report can show strengths, like impact windows, that buyers will pay for.
When to get them
Before you list, if your home is older or your roof is not new. They are short inspections and many inspectors do both in one visit.
Sources: Citizens Property Insurance Corporation, inspection forms; Florida insurer and inspector guidance.