Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
4-point inspection
This isn't a full home inspection. It's a snapshot of four systems for the insurance underwriter: roof (age, condition, remaining life), electrical (panel type, wiring, known-problem panels), plumbing (supply and drain materials, leaks, water heater) and HVAC (age, condition). Carriers commonly require one once a home reaches roughly 25–40 years old, depending on the carrier.
Wind mitigation inspection
This documents roof covering, roof deck attachment, roof-to-wall connection, roof shape, secondary water resistance and opening protection. Florida law requires insurers to offer discounts for qualifying features, and the savings on the windstorm portion can be substantial.
Where housing is oldest in Pinellas
| Place | Median year built | Median age |
|---|---|---|
| Gulfport | 1963 | 63 yrs |
| Kenneth City | 1964 | 62 yrs |
| Harbor Bluffs | 1964 | 62 yrs |
| Bear Creek | 1967 | 59 yrs |
| Lealman | 1968 | 58 yrs |
| St. Petersburg | 1969 | 57 yrs |
| Treasure Island | 1970 | 56 yrs |
| Bay Pines | 1970 | 56 yrs |
| St. Pete Beach | 1971 | 55 yrs |
| Belleair Bluffs | 1972 | 54 yrs |
| West Lealman | 1973 | 53 yrs |
| Greenbriar | 1973 | 53 yrs |
| Belleair | 1974 | 52 yrs |
| South Highpoint | 1974 | 52 yrs |
| Madeira Beach | 1974 | 52 yrs |
Median year structure built: U.S. Census Bureau, ACS 5-year estimates. The Florida Building Code took effect in 2002, and homes built earlier often lack some wind-resistive features.
Tips
- Sellers: order a 4-point before listing to surface insurance problems early. See selling an older home.
- Buyers: book the full inspection, 4-point, wind mitigation and WDO together, then get insurance quotes before your inspection period ends.
Frequently asked questions
How long is a 4-point inspection valid?
Many carriers accept reports up to about a year old. Check with your insurer.
Is a wind mitigation report worth it?
Usually. It's a one-time cost, and the discounts apply each year the features stay in place, typically for up to five years per report.
Get local help
Related guides
This guide is general information, not legal, tax, insurance or financial advice. Rules and rates change, so confirm details with a licensed professional.