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FL Storm Pros

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Wind mitigation & 4-point inspectors in Florida

A wind mitigation report can cut the wind portion of a Florida homeowners premium, and many insurers won't write a policy on an older home without a 4-point inspection. Find a state-licensed home inspector, check their DBPR license, and request both reports in one visit. We're starting with Tampa Bay: every active licensed home inspector in Hillsborough, Pinellas and Pasco counties.

Choose your county

404 inspectorsHillsborough CountyTampa, Brandon, Riverview, Valrico and LutzSee inspectors 245 inspectorsPasco CountyNew Port Richey, Land O’ Lakes, Wesley Chapel, Hudson and Dade CitySee inspectors 327 inspectorsPinellas CountySt. Petersburg, Clearwater, Largo, Palm Harbor and DunedinSee inspectors

Outside Tampa Bay? We're adding more Florida counties. In the meantime you can stillsend a request and we'll tell you if we can help.

Tampa Bay cities

Wind mitigation inspection

The inspector documents the features that help your home resist hurricane winds (roof shape, roof-deck nailing, roof-to-wall connections, secondary water resistance and opening protection such as shutters or impact windows) on the state's Uniform Mitigation Verification form, OIR-B1-1802. Florida insurers must offer discounts for qualifying features. The report is valid for up to five years.

How the discount works

4-point inspection

A 4-point looks at the four systems insurers worry about most: roof, electrical, plumbing and HVAC. It isn't a full home inspection. Insurers, including Citizens, commonly require one on older homes before they write or renew a policy, and many want it dated within the last year.

4-point inspection guide

What it costs. Published prices from Tampa Bay inspection companies, checked October 2026: about $115–$130 for a wind mitigation report, $120–$140 for a 4-point, and $175–$220 for both in one visit.See the full cost guide.

Some of the longest-licensed inspectors in Tampa Bay

Just installed shutters or impact windows?

Opening protection is one of the biggest wind mitigation credits. Get a new report so your insurer can apply it.

Find shutter installers

Frequently asked questions

How long is a wind mitigation report good for?

The OIR-B1-1802 form is valid for up to five years from the inspection date, as long as no material changes are made to the home. A new roof, new shutters or impact windows are good reasons to get a fresh report sooner so the new features are credited.

Who can sign a Florida wind mitigation form?

Florida law lists who may sign the Uniform Mitigation Verification form, including licensed home inspectors who have completed the required hurricane mitigation training, building code inspectors, licensed general, building and residential contractors, professional engineers and architects. Every inspector listed here holds an active DBPR home inspector license; ask them to confirm the training.

Do I need both a 4-point and a wind mitigation inspection?

Not always. Insurers usually require a 4-point (roof, electrical, plumbing, HVAC) on older homes, often 25–30 years or more, while a wind mitigation report is optional and is used to apply wind discounts. Many inspectors bundle both in one visit for less than two separate appointments.

How much does a wind mitigation inspection cost?

Published Tampa Bay prices we checked in October 2026 were $115–$130 for wind mitigation, $120–$140 for a 4-point and $175–$220 for both. See the full cost guide.

How long does a 4-point inspection stay valid?

There is no single state rule. Many insurers want a 4-point dated within the past 12 months when they write or renew a policy, so check with your agent before you book.

About these listings. Inspectors are listed from the Florida Department of Business and Professional Regulation (DBPR) home inspector licensee file, downloaded October 2026. We include only licenses shown as current and active. A DBPR license does not by itself confirm that an inspector has completed the hurricane mitigation training required to sign form OIR-B1-1802, so confirm that, and verify the license on myfloridalicense.com, before you book.

Privacy. Many home inspectors use their home address on their license, so free listings show only the city and county: no street address, ZIP code, phone number or email. Inspectors can claim their listingto add business contact details, or ask us to correct or remove it. FL Storm Pros is not affiliated with DBPR or any insurer.