4-Point & Wind Mitigation Inspection in Miami, FL — Do You Need One?

Insurer rules, the Miami-Dade HVHZ advantage, cost, and a free checker — 2026.

✓ Reviewed June 23, 2026 · sources: FL OIR, Citizens, Miami-Dade

For an older Miami home — yes, your insurer requires a 4-point. Citizens requires it over 20 years; private carriers often at 30+.

In Miami-Dade’s HVHZ, a wind mitigation inspection is especially valuable — impact-rated, Miami-Dade-approved openings can earn large premium credits.

Do I need a 4-point in Miami?

Florida-specific. 2 questions. Your insurer sets the exact age rule.

1. How old is the home? 2. What are you doing?

⚠ Guidance only — not an official determination. Always confirm with your lender/insurer and the official source (.gov) before acting. See Disclaimer.

Miami-Dade = HVHZ (High-Velocity Hurricane Zone). Roof covering and opening protection are judged against Miami-Dade product approval (NOA) standards. Homes with NOA-rated impact windows/shutters and hip roofs can capture the strongest wind-mitigation credits on the OIR form — and Miami’s high coastal premiums make those savings bigger than inland.

Quick facts — Miami

4-point & wind mitigation in Miami, FL — 2026 (insurer rules vary)
4-point legally required?	No — insurer-required for older homes
Citizens threshold	>20 years; report within last 12 months
Zone	HVHZ (Miami-Dade) — Miami-Dade NOA product approvals apply
Wind mit credit	Up to ~88% of windstorm premium; bigger impact on Miami’s coastal rates
Cost (bundled)	~$125–$250
Who pays	Homeowner / buyer

Common questions

Do I need a 4-point inspection in Miami?

In Miami a 4-point inspection is not required by law but is required by insurers for older homes. Citizens requires it for homes over 20 years old, dated within the last 12 months; many private carriers require it at 30 or 40 years. It covers roof, electrical, plumbing and HVAC.

Why does wind mitigation matter more in Miami?

Miami-Dade is a High-Velocity Hurricane Zone (HVHZ) with the strictest building and product-approval standards, and coastal windstorm premiums are high. So verified features like impact-rated openings (Miami-Dade NOA approved), a hip roof and strong roof-to-wall connections can earn large premium credits on the OIR-B1-1802 form.

How much does a 4-point and wind mitigation cost in Miami?

A 4-point inspection in Miami is about $75 to $175 and a wind mitigation about $75 to $150; bundled they commonly run $125 to $250. The homeowner or buyer typically orders and pays, and the wind mitigation savings usually outweigh the cost.

Sources

Wind mitigation & uniform forms — Florida OIR, accessed Jun 2026
4-point / 12-month rule — Citizens Property Insurance, accessed Jun 2026
Product approval (NOA) / HVHZ — Miami-Dade County, accessed Jun 2026
Premium-discount law — Fla. Stat. §627.0629, accessed Jun 2026