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A wind mitigation inspection evaluates your home's resistance to wind damage, examining elements such as roof construction, window protection, and structural connections. By contrast, a four-point inspection examines four key home systems: electrical, plumbing, HVAC, and roofing, primarily assessing their overall condition and functionality. While serving different purposes, these inspections can be efficiently combined for a total cost of $150 to $200, offering convenience and potential savings.

Wind mitigation inspection reports remain valid for insurance for five years from the inspection date. However, you should consider getting a new inspection if you've made significant improvements to your home's wind resistance features, such as installing hurricane shutters or reinforcing your roof. Additionally, extensive storm damage or preparing to sell your home might warrant a fresh assessment to ensure your documentation accurately reflects your property's current condition.

A successful wind mitigation inspection can lead to insurance premium reductions, though the exact savings vary by insurer, location, and your home's specific features. The inspection fee of $85 to $125 is considered a worthwhile investment, as the potential premium discounts often offset this cost relatively quickly. For the most accurate estimate of potential savings, consult directly with your insurance provider about their specific wind mitigation discount programs.