Wind mitigation & 4-point inspectors in Palm Harbor, FL

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.

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.

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 in Palm Harbor bundle both in one visit for less than two separate appointments.

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.

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.