4-Point and Wind Mitigation Inspection: Selling the Pair

Short answer: Florida insurers ask for the two forms for different reasons. The 4-point tells the underwriter whether an older home is insurable, and the wind mitigation form (OIR-B1-1802) tells them which hurricane discounts apply. Both need the roof and the attic, so one visit covers them. Price the pair from your own drive, site and report time plus the added liability, not as a discount off either form, and deliver them as two separate reports.

Clients do not usually ask for "a bundle." They ask for whatever their insurance agent told them to get, often one form at a time. The inspector who explains that the other form is probably coming, and that it can be done on the same visit, saves the client a second appointment and saves themselves a second drive.

This guide is for the Florida inspector who performs both. The form details are in the 4-point guide and the wind mitigation form guide. Here the subject is running and selling them together, as of September 2026.

Why insurers ask for both

The two forms answer different underwriting questions.

Citizens' inspections page puts it simply: homes with wind mitigation features "may qualify for policy premium discounts by documenting any approved features through a wind mitigation inspection." The 4-point, by contrast, is an eligibility requirement for older homes.

The overlap is the reason to sell them together. A homeowner buying or re-shopping coverage on a house more than 20 years old needs the 4-point, and will usually want any credit the wind form can earn. Both forms send you onto the roof and into the attic.

Can the same inspector sign both?

Usually, but check. The signer lists are close, not identical.

The gap that matters for a home inspector is the wind mitigation training. A licensed home inspector can sign a 4-point on day one, but cannot sign OIR-B1-1802 until they have the hurricane mitigation training and proficiency exam. See how to become a wind mitigation inspector.

Also note the personal-inspection rule on the wind form. A home inspector "must inspect the structures personally and not through employees or other persons." Only contractors and engineers may send a direct employee. If you run a multi-inspector firm, the inspector who signs the wind form is the one who was on the roof.

Time on site: where the two forms overlap

No agency publishes a standard time for either inspection, and we will not invent one. What you can do is see where the work overlaps and time your own jobs.

Shared work, done once:

• Travel, parking, introductions and ID (the wind form's homeowner certification says ID was shown)
• Exterior walk, with photos of each side of the dwelling
• Roof: covering type, photos of each slope for the 4-point, slope measurement and covering documentation for wind questions 3 and 4, geometry for question 7
• Attic: leak signs and decking condition for the 4-point roof section, deck attachment (question 5), roof-to-wall connections (question 6) and any visible sealed deck (question 8)
• Pulling permit records: the last roofing permit date appears on both forms

Work only one form needs:

• 4-point: electrical panel with the dead front off, HVAC and its data plate, water heater and TPR valve, each sink cabinet, fixture conditions
• Wind mitigation: the region lookup, every opening's protection level and labels, garage door labels, perimeter measurements for a hip roof

Time the next ten jobs of each kind and the next ten combined. The combined figure minus the larger single figure is your real marginal time for the second form. That number, not a guess, is what the bundle price should be built on.

A workflow for both in one visit

When booking. Ask the year built, the insurer, whether the agent sent a specific form, and whether the house has had a new roof, windows, shutters or garage door. Ask the client to have permits, product approval paperwork, shutter invoices and HVAC or water heater receipts ready.

Before you leave the office. Pull the property appraiser record for year built, the roofing and window permits, and the ASCE hazard tool result for wind question 2. Several questions on both forms are settled by paperwork, and it is faster at a desk.

On site, outside first. Four elevations. Every opening type for question 9, with a close-up of each label you can find. Garage doors. Then the roof: slopes, covering, slope measurement, geometry.

Attic. One trip for both forms: decking and nailing, the weakest roof-to-wall connection in more than one spot, underlayment if visible, and any leak staining.

Inside. Panel, HVAC, water heater, sink cabinets, fixtures. Note hazards and tell the client which ones would stop a 4-point from being usable.

Before you leave. Get the homeowner's signature on the wind form certification. Check both photo lists against what you have. A missing label photo is a return trip.

Pricing the bundle

There is no state fee schedule for either inspection, and published "average prices" vary so much by area that they are no use for setting yours. Build the price from your own numbers, the same method as in how to price ancillary inspection services.

Multiply each block of hours by the hourly figure your business needs, which you work out from annual costs and capacity as in how much a home inspector should charge. Add the per-job costs.

What comes out is a combined price lower than the two single prices added together, because the drive, admin and part of the roof and attic work happen once. That difference is a real saving, so passing some of it to the client is fine. What is not fine is cutting below that.

Two rules from the ancillary pricing guide apply directly:

• Do not discount the liability. The wind form carries statutory fraud provisions and insurer reinspection. The liability loading on it should not shrink because the client bought two forms.
• Discount the smaller piece. If you show a bundle saving, take it off the form with less exposure rather than cutting both.

If you also do buyer's inspections, the same logic applies when a buyer adds both forms to a full home inspection: most of the 4-point is information you are already collecting. Price the added form time and liability, not the whole form again. For wind mitigation price benchmarks specifically, see wind mitigation inspection cost.

Let the booking form do the math

In Binsr, booking pricing rules can use year built or any custom booking question, so the price of a 4-point add-on can follow the home's age, and the combined price is set by your own rule. The same rules set the job's duration, so the calendar block matches the extra time you measured. See features.

Turnaround and timing

Two dates drive the client's deadline.

Most combined jobs are tied to a policy start date or a closing. Ask for that date when booking and agree a delivery time you can hit. The lender-placed case, where the 4-point must fall within 10 days of the effective date, leaves no room for a slow report.

Both forms are form-filling, not narrative, which makes a same-day turnaround realistic if the photos and paperwork are complete when you leave. The general method is in same-day inspection reports.

Delivering both reports

Send two reports, not one merged PDF. They do different jobs: the 4-point decides eligibility, the wind form decides rating credits. They also expire on different clocks.

Check before sending:

• Wind form: Rev. 04/26 (inspections on or after April 1, 2026 must use it); every field filled in; your initials and the property address on every page; the address matching the policy address; your signature and the homeowner's; one photo or document for every attribute marked in questions 2 through 9.
• 4-point: the full minimum photo set; ages recorded, not left blank; every unsatisfactory item and hazard explained in comments; your license type and number.
• Roof: if the insurer also wants a roof form, remember Citizens accepts the 4-point in place of the RCF-1 when it includes photos of each roof slope. See roof certification.

In Binsr, one inspection can produce multiple reports, each with its own template. The Florida 4-Point form and the current Florida Wind Mitigation form (OIR-B1-1802, Rev. 04/26) are both built in, so the visit is one inspection and the output is two reports, sent through branded report links or as PDFs.

Selling the pair

The easiest sale is to the insurance agent, not the homeowner. Agents know which of their clients will need both. An agent who knows you deliver both forms quickly, complete and on the right revision, has a reason to send the next client. The approach in how home inspectors get agent referrals works the same way with insurance agents as with real estate agents.

For homeowners, explain it in terms of their own trip: one appointment instead of two, both forms from the same inspector, and a wind form that stays valid for up to five years if nothing changes.

Do not promise a discount amount. The form says "some items listed may not qualify for a discount," and the credit is the insurer's decision.

Frequently asked questions

Keep reading

• The 4-point inspection: form, checklist and coverage
• Florida wind mitigation form, question by question
• Wind mitigation inspection cost
• How to become a wind mitigation inspector
• Roof certification and roof inspection reports
• How to price ancillary inspection services

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