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
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
Avoid these
Common mistakes
- XWaiting until the last week to schedule
- XNot reviewing results before closing
- XNot providing wind mit to carrier (missed credits)
No obligation. No fee unless recovery.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
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All 67 Florida counties.
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Every major Florida storm profiled.
Decision and settlement tools.
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Common problems answered.
For professionals
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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