Three appointments that are not the same
A buyer’s home inspection is a due-diligence walk of the house you are buying. A wind-mitigation inspection scores openings, roof, and how the house is tied together for a carrier. A four-point is usually roof, electrical, plumbing, and HVAC, in a format an insurer asked for. One inspector may be able to do more than one report. The reports still answer different questions.
Read the wind-mitigation guide if that is the form you actually need. This page is only the four-point mix-up.
When it shows up on a Space Coast file
Older Merritt Island, Melbourne, and mainland houses get this request more often than a new Viera build. A seller who already has a recent four-point can sometimes share it. The buyer’s agent still needs to know whether that buyer’s carrier will accept the date and the form. Do not assume the seller’s paper transfers.
The older-roof listing guide is about the covering. Four-point also looks at the other three systems. A clean roof photo does not finish the electrical panel.
Order the right paper early
Send the address to a licensed Florida insurance agent before the inspection clock is tight. Ask which reports they need to bind. Then schedule those, plus the buyer’s home inspection if you are under contract. Stacking them on the last two days is how closings slip.
What this is not
This is not an insurance quote and not a claim that every Brevard house needs a four-point. Amanda McKnight, Compass, SL3511173, will not invent a carrier’s underwriting rule. Call 904.599.1468. Start with how to insure an older house if the roof and the panel are already the worry.
Sources
Quick answers
Can one inspector do the home inspection and the four-point?
Sometimes, if they are qualified for both and you hire both scopes. Confirm in writing. Do not assume one visit covers both.
Is a four-point the same as wind mitigation?
No. Wind mitigation is a scored form about wind resistance. Four-point is four systems for a carrier.
Does a new-construction Viera house need a four-point?
Ask the buyer’s insurance agent. Many newer houses are underwritten differently than a 1970s island house.
Who can keep the file in order?
Amanda McKnight, Compass REALTOR® SL3511173, Indian Harbour Beach. 904.599.1468.