In 2026, most homeowners are paying about $100 for a wind mitigation inspection and about $125 for a 4-point inspection (with common national ranges of $75–$150 and $75–$175, respectively), and that relatively small upfront cost can matter because a wind mitigation report may unlock meaningful insurance savings—often cited as roughly 10% to 45% off the windstorm portion of your premium when qualifying features are present.
How much does a wind mitigation and 4 point cost?
South Florida Cost
South Florida inspections are typically higher than the rest of Florida. In South Florida, real-world advertised pricing commonly lands around:
• 4-point: about $100 to $175
• wind mitigation: $100 to $175
• combo (4-point + wind): about $180
You’ll also see “combo options” priced differently depending on what’s included (for example, some companies offer an opening protection inspection add-on or separate reinspection pricing).
Florida Average
Across Florida, the most common pricing pattern in 2026 looks like this:
• wind mitigation inspection: typically $75–$150, with many homeowners paying around $100
• 4-point inspection: typically $75–$175, with many homeowners paying around $125
• bundled together: commonly $125–$325 (wide range because of market, company size, and what’s included)
The big takeaway: the bundle is usually cheaper than buying both separately, but not always. It depends on the company’s pricing model.
The True Cost
In this economy, many homeowners are trying to save as much as possible. Especially with limited insurance options in Florida, homeowners are eager to find the cheapest services. We got good news! The wind mitigation lasts 5 years as long as there are no alterations to the roof, windows or doors. That means that if you pay for a wind mitigation at $130. It would only cost you $26 per year over five years. Additionally, a 4 point inspection last year maximum. The cost could be broken down to $11 per month over the year.
Overview: Wind Mitigation and 4 Point
Wind Mitigation
A wind mitigation inspection documents wind-resistance features that may qualify you for insurance credits. Inspectors typically verify things like roof covering details, roof-to-wall attachments, roof deck attachment, secondary water resistance, and opening protection (if applicable). The report is used to support insurance discounts and credits. If you want to see what’s included and what you’ll need ready for the inspector, read our wind mitigation inspection page.
4 Point
A 4-point inspection is a limited, insurance-focused snapshot of four systems insurers care about most:
• roofing: covering type, age/condition, visible damage/leaks, remaining useful life indicators
• electrical: panel type/condition, wiring type, safety concerns, signs of hazards
• plumbing: pipe material/type, water heater age, leaks, visible water damage indicators
• HVAC: system type, age/condition, basic operational notes, obvious issues/leaks
It’s not a full home inspection. It’s designed to satisfy insurance underwriting requirements for many older homes. For a breakdown of what insurers are looking for and what we document, see our 4-point inspection page.
How do Inspectors decide wind mitigation and 4 point inspection cost?
Flat Fees & Rates
Most companies price these as flat-fee inspections because they’re standardized, non-invasive, and form-based. That said, flat fee doesn’t mean “one price forever.” Companies still adjust for time, travel, and complexity. This is the most popular way to rate the inspections because it tempers expectations for homeowners and makes it easier for inspection companies.
Size
Square footage can affect pricing, especially on 4-points. Some companies tier pricing (example structure: one price up to a certain size, a higher price for larger homes, and “call for quote” above that). Larger homes take longer to inspect and document, so the price rises. If an average home has one A/C unit and one electrical panel, then a home that has more than one A/C or electrical panel is twice the work for the inspector.
Higher rates for websites like Angi, Home Advisor, Thumbtack, Yelp
Some companies charge more when a job comes through lead platforms or advertising-heavy channels. Those platforms can add significant customer acquisition costs (lead fees, ad spend, admin overhead), and that cost often gets built into pricing. You can sometimes find better pricing by calling local companies directly and comparing apples-to-apples on what’s included. These companies charge as much as $40 per lead. That is 31% of the revenue from an inspection that cost $130! Save more by contacting the companies directly and seeing their client facing prices.
Why do wind mitigation and 4 point inspections cost?
Independent 3rd Party Inspection
Insurance companies rely on these reports because they’re intended to be independent documentation of the home’s condition (4-point) and wind-resistance features (wind mitigation). That independence is part of what you’re paying for. They work for you not the insurance company.
Licensed and insured Inspectors
In Florida, home inspectors are licensed, and reputable companies carry insurance (often including general liability and E&O). Maintaining licensing, insurance, training, tools, and compliance is part of the operating cost behind a “simple” inspection.
Safety Risks
Even “non-invasive” inspections involve real risk and responsibility:
• attic access and attic hazards (heat, trusses, wiring)
• roof viewing/ladder work (or drone work)
• electrical panel observation
• documenting defects accurately because insurance decisions and premium credits depend on it
How to reduce the cost of a wind mitigation and 4 point inspection
Ask: Promotions and Deals
Many companies run seasonal promos or small discounts (online booking, weekday scheduling, multi-service discounts). The easiest way to save is simply asking what promos are currently available. Google business profiles has a entire section dedicated to promotional offers. Some companies offer promotions directly from their website during checkout.
Military/Veteran Discounts
Military and veteran discounts are common in Florida service businesses. If you qualify, ask before booking so it’s applied correctly. Companies are eager to serve and support our troops.
Military/Veteran Discounts
Bundling is often the best value. 4-point + wind mitigation combo pricing is commonly less than booking each separately. The average cost of a wind mitigation and 4 point bundle is typically $180 to $220. You can expect to save an average of $80 doing both inspections together at the same time. If you’re also buying the home (not just renewing insurance), our bundle packages can be a better value than ordering these standalone.
Hidden Cost during a wind mitigation and 4 point inspection
Incomplete installations/Rennovations
Sometimes the homeowner is eager to start saving and will schedule the inspection as windows are being finished. However, unexpected delays like weather can push back the installation timeline. If you’re inspector arrives with a single opening not changed. You may have to schedule a reinspection for a second visit. This will have an additional cost. This is typically around $80. Other examples include bathroom remodels that are incomplete. It is best to have all Roof, Openings, HVAC, Plumbing, and electrical renovations complete.
No Access
No attic access, locked electrical panels, blocked water heaters, or sealed-off roof access areas can prevent proper documentation. That can lead to delays, incomplete forms, or a return trip fee. If you are in a condo, talk to your HOA to ensure proper access to the roof before the inspection. Every HOA is different but roof access is usually locked to contractors.
Tenants are not home
For occupied properties, if the tenant isn’t available to provide access to required areas, you can lose the appointment, reschedule, or pay a trip/reinspection fee. It is essential to give the tenant sufficient notice to prepare and plan for the inspection. Many inspection companies will accommodate a tenants schedule by offering extremely early or late inspections to work around their schedules.
Needed Upgrades
The biggest “hidden cost” is upgrades needed to satisfy insurance underwriting or to qualify for credits:
• roof repairs or replacement liked cracked tiles
• electrical or plumbing updates if the system is considered higher-risk. This includes rusted water heaters.
• storm protection upgrades if you want stronger wind credits (openings, shutters, etc.)
Some companies will ask for a roof certification only after repairs are made from a 4 point that documented damage. To learn more checkout our roof certification blog post.
Final thoughts: What to Budget in 2026
In 2026, most homeowners should expect wind mitigation and 4-point inspections to be a relatively low upfront cost compared to what’s at stake with insurance eligibility and credits—especially if you bundle them. The smartest approach is to compare pricing from a few licensed, insured inspectors, ask about bundle deals and promos, and make sure access is ready (attic, electrical panel, water heater, roof documentation) so you don’t get hit with rescheduling or reinspection fees. Finally, don’t pick solely on the cheapest quote—an incomplete or inaccurate report can cost you time, underwriting headaches, and potentially the wind credits you were trying to secure in the first place.
