Four-point and wind-mitigation are inspections
A four-point inspection typically reports on the roof, electrical, plumbing, and HVAC systems for underwriting. A wind-mitigation inspection documents construction features that may reduce wind risk, such as roof attachment and opening protection. Requirements, accepted forms, and potential credits depend on the insurer and current Florida rules.
Flood and hurricane questions belong with the policy
Homeowners coverage and flood coverage are not the same thing. Hurricane-related claims may involve wind coverage, a hurricane deductible, flood coverage, and the cause of each part of the damage. Ask the licensed agent to explain the policies, exclusions, deductibles, waiting periods, and documentation that apply to the property.
Keep the records connected
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Current policies, declarations pages, and agent contacts.
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Inspection reports, roof documentation, permits, invoices, and warranties.
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Shutter or impact-opening records and photographs.
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A current inventory and pre-storm exterior baseline.
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Home-watch visit reports and service records during extended absences.
Sources and scope
This original guide combines Safe Nest Home Watch field experience with the references below. It is general planning information, not insurance, legal, engineering, mold-assessment, or contractor advice. Follow your policy, licensed professionals, equipment instructions, and local requirements.