For Realtors
Four-Point and Wind Mit Inspections for Closing
Required for most Florida home sales. When to schedule, what they cost, and how results affect closing.
Required for most Florida home sales. When to schedule, what they cost, and how results affect closing.
Context
Overview
Most Florida insurance policies for homes 30+ years require a four-point inspection. Wind mitigation inspections generate premium credits. Both are typically ordered in the 30-day period before closing.
How it works
Workflow
- 01
Step 1
Schedule early in escrow
- 02
Step 2
Budget $150-300 for both
- 03
Step 3
Review results before expiration
- 04
Step 4
If four-point fails, negotiate repairs or concessions
- 05
Step 5
Submit wind mit form to buyer's new carrier
- 06
Step 6
Retain copies for closing file
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What kind of damage?
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Avoid these
Common mistakes
- XWaiting until the last week to schedule
- XNot reviewing results before closing
- XNot providing wind mit to carrier (missed credits)
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
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What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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