4-Point Inspection in West Palm Beach
The insurer's report on roof, electrical, plumbing and A/C, common for pre-war houses and 1970s condo units.
Form OIR-B1-1802 · Palm Beach County · Outside the HVHZ
Wind Mitigation Inspection in West Palm Beach, FL
A wind mitigation inspection in West Palm Beach, FL works a little differently from one in Broward or Miami-Dade. Palm Beach County is outside the High-Velocity Hurricane Zone, so two answers on Form OIR-B1-1802 change. We document your home's hurricane features and usually deliver the signed form the same day.
- FormOIR-B1-1802 (Rev. 04/26)
- Region answerSet by design wind speed
- SFBC-94 optionNot available here
- ReportTypically same day
Wind mitigation in West Palm Beach
Where a West Palm Beach Wind Mitigation Form Differs
The form is the same across Florida, but this county's code zone and the city's older housing change some of the answers. These three matter most.
Local field sheetWest Palm Beach, FL
Sheet · Wind MitigationA Flagler-era city on the Lake Worth Lagoon: 1910s to 1930s historic districts near downtown, towers on Flagler Drive, post-war growth westward with former wetlands filled for building, and gated communities out by Grassy Waters.
- County
- Palm Beach County, FL
- Building code zone
- Outside the HVHZ · region set by design wind speed
- From our office
- 47.7 miles from 3610 N 65th Ave, Hollywood
- Typical homes
- 1910s to 1930s bungalows, Mission and Mediterranean Revival near downtown, later subdivisions west
- Historic districts
- 18 local districts and 46 individual sites. Exterior changes go through city review
- Roofs
- Barrel tile and flat sections behind parapets on older homes. Newer communities vary
- Condos
- Towers on Flagler Drive, plus Century Village: gated, 55+, West Palm Beach address, confirm the jurisdiction
- Water and salt
- Lake Worth Lagoon to the east. King tides September to November. Flood zones vary by address
- ZIP codes
- 33401 · 33405 · 33406 · 33407 · 33409 · 33411 · 33412 · 33415 · 33417
Neighborhoods we cover
- Downtown
- El Cid
- Flamingo Park
- Grandview Heights
- Central Park
- Prospect Park
- Southland Park
- SoSo (South End)
- Old Northwood
- Northwood Hills
- Northboro Park
- Bel Air
- Northwest
- Villages of Palm Beach Lakes
- Ibis
- Century Village
No SFBC-94 on item 1
The South Florida Building Code option on item 1 is for the HVHZ only, so it does not apply in Palm Beach County. A home here either meets FBC 2001 and 2004 or FBC 2007 or later, with permit-date conditions for certain build years, or it doesn't.
Your address sets item 2
HVHZ isn't an answer here. The Region comes from the design wind speed at your property in the ASCE 7-22 hazard tool: Region 1 at 140 mph or more, Region 2 at 130 to 139, Region 3 below 130. We look it up for your address instead of assuming one number for the city.
Upgrades in a historic district
Impact windows or a new roof can improve a report, but in a West Palm Beach historic district, work that changes the exterior appearance needs a Certificate of Appropriateness on top of the permit. Talk to city preservation staff before ordering products, then have us update the form.
Form OIR-B1-1802 · Rev. 04/26
Nine Answers on Your West Palm Beach Wind Mitigation Form
Work down the form, or tap a pin, for how each item plays out on a house here, in the attic and at every opening.
-
1. Building code
FBC 2001 and 2004 or FBC 2007 or later, if the home qualifies. SFBC-94 is for the HVHZ only, and a 1920s house will not meet this item.
Year built · permit date -
2. Region
Not HVHZ. From the ASCE 7-22 hazard tool: Region 1 at 140 mph or more, Region 2 at 130 to 139, or Region 3 below 130.
By design wind speed -
3. Roof slope
We measure whether at least two-thirds of the main roof area is 6:12 or steeper. Flat Mission-style sections and shallow bungalow roofs can change this answer.
6:12 or steeper · below -
4. Roof covering
Every covering in use, with its permit date or product approval. The city's Civic Access portal searches permits by address if your re-roof paperwork has gone missing.
Permit · product approval -
5. Roof deck attachment
From the attic we identify how the deck is fastened to the framing. Older houses often have board decking, not plywood, and we record what we can verify.
Nails · spacing · decking -
6. Roof-to-wall attachment
Toenails, clips, single or double wraps, and now tested retrofit connectors when documented. A 1920s frame house may have no connector at all, so we look rather than assume.
Clips · wraps · retrofit -
7. Roof geometry
A hip roof is what this item rewards. Bungalow gables and Mission-style parapet roofs usually don't, so we check the whole roof line, not just the street side.
Hip · flat · other -
8. Sealed roof deck (SWR)
Often a matter of how the last re-roof was done. Self-adhered underlayment or taped deck seams can qualify. Standard underlayment and hot-mopped felt don't.
When verifiable -
9. Opening protection
Every window, door, skylight and garage door counts, and the form records the weakest. One original wood door or window in a historic home can decide it.
Weakest opening counts
Why it matters here
Why West Palm Beach Owners Order a Wind Mitigation Inspection
Under Section 627.0629, Florida Statutes, insurers must offer credits for construction features that reduce windstorm damage, but they can only work from what is documented. That makes a wind mitigation inspection worth having in West Palm Beach, where houses range from pre-war frame to recent block, and where hurricane history is not theoretical: the 1928 storm destroyed 1,711 homes here, according to historical accounts.
The visit usually takes under an hour. Peter works through attic, roof and openings, supports each attribute in items 2 to 9 with a photo or document, and signs the form. If you hold a FORTIFIED Home certificate, it can validate items 4 to 6 and 8 to 9. Insurers decide which credits apply, and Citizens says credits are unchanged at this time. Our guide on how to read the report explains the answers.
- Current Rev. 04/26 form with supporting photos
- Valid up to five years if no material changes
- Easy to pair with a 4-point on the same visit
Lower windstorm premium
Savings depend on the home and the carrier, but documented connectors, roof shape and protected openings can reduce the windstorm portion.
Good for up to five years
The form stays valid if no material changes are made and no inaccuracies are found, so one visit can serve several renewals.
Buying in West Palm Beach?
Get it done during your inspection period, and your agent can quote the actual house before you close.
New roof or impact windows?
Upgrades only help once they are on the form. Update your report after the work passes its final inspection.
Your report, explained
How Form OIR-B1-1802 Works in West Palm Beach
The form has nine items, with photo or document support required from item 2 on. Outside the HVHZ, the Region line depends on the wind speed at your address.
State of Florida · Form OIR-B1-1802 (Rev. 04/26)Uniform Mitigation Verification Inspection
- 01Building codeFBC 2001+
- 02RegionBy wind speed
- 03Roof slope6:12 or steeper
- 04Roof coveringFBC-approved
- 05Roof deck attachment8d @ 6"/12"
- 06Roof-to-wall attachmentDouble wraps
- 07Roof geometryHip roof
- 08Sealed roof deck (SWR)SWR present
- 09Opening protectionImpact-rated
Peter LemosInspector signature · CMI®
How to get the most from your report
- Have permits handy
- Roof, window and shutter permits or product approvals help prove dates and ratings.
- Clear the attic access
- Most of the form is answered from the attic, so we need to reach the hatch safely.
- Every opening counts
- Opening protection is only credited at its best level when every window, door and skylight is protected.
- Update after upgrades
- A new roof, shutters or impact windows can move you into a better category, so order a new report.
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02
03
04
Simple from start to finish
Booking a West Palm Beach Wind Mitigation Inspection
Call with the address
We check the design wind speed for the property ourselves. You just tell us the year built and any upgrades you know of.
Attic, roof and openings
Peter goes from the attic framing to the roof covering to each opening, with a photo for every item that needs one.
Signed form, usually same day
The signed OIR-B1-1802 and its photos come to you, typically on the day of the visit.
Forward it to your agent
Your insurance agent submits the report, and your insurer decides which credits apply.
Your inspector
Peter Lemos, Certified Master Inspector®
Locally owned in Hollywood, FL and serving South Florida since 2008. Peter holds InterNACHI certifications in wind mitigation, 4-point and mold inspection, and clients rate Global Home Inspectors 5 stars on Google.
2008Since
4.9★Google
3Counties
24hReports
Client notes · Google reviews
What South Florida Homeowners Say
4.9 Based on 82 Google reviews
“I called Global Home Inspectors to conduct a 4 point inspection and wind mitigation inspection. Peter arrived on time and was very professional. He started the inspection process immediately and took pictures. I received my report the same day and I am very pleased with the service. …”
“From start to finish, Peter was prompt, professional, and incredibly thorough. He took the time to explain every detail, answer our questions, and provide a clear and comprehensive report.”
“He was able to come out and complete the inspection within 24 hours and send me the report the same day. Most companies would have taken a week to come out and another week to send the report.”
“After a few upgrades to our home, we needed to provide our insurance company with an updated 4 point & wind mitigation inspection. I’m so glad I went with Peter because he was fantastic! He arrived on time, was a great communicator, and sent the reports very quickly. …”
“Peter visited my place as scheduled and came prepared with a good understanding of my house's historical record. … I received the report 20 minutes right after his leave. Super fast! … p.s. the drone is really cool; used to take a full view of the roof.”
“Mr. Lemos is very responsive, attentive, customer friendly. Working with him and mutual customer was an absolute breath of fresh air. …”
Good questions
Wind Mitigation Inspection FAQs: West Palm Beach, FL
Common questions from West Palm Beach homeowners. Don't see yours? Call (954) 297-0317.
Is West Palm Beach in the High-Velocity Hurricane Zone?
No. The Florida Building Code applies the HVHZ to Miami-Dade and Broward only, and Palm Beach County is outside it. On the form, a West Palm Beach home answers Region 1, 2 or 3 based on the design wind speed at its address.
What region is my West Palm Beach home?
It depends on the address, so we look it up in the ASCE 7-22 hazard tool instead of quoting a citywide number. Region 1 is 140 mph or more, Region 2 is 130 to 139 mph, and Region 3 is below 130 mph.
Why doesn't my report mention SFBC-94?
That option on item 1 is limited to the HVHZ. A friend with a Broward report may have it, but homes in Palm Beach County can't use it. Item 1 here is FBC 2001 and 2004, FBC 2007 or later, or neither.
Can a 1920s home in El Cid or Old Northwood earn credits?
It can, depending on what has been done to it. The building code item won't apply, but a hip roof, added roof-to-wall connectors, a sealed deck from a re-roof or protected openings may be documented. Your insurer decides what they are worth.
Do I need city approval to add impact windows in a historic district?
Probably, if they change the exterior appearance. West Palm Beach requires a Certificate of Appropriateness for that kind of work in historic districts, plus a permit to replace windows and doors. The city also mentions storm windows as a sensitive upgrade, so talk to preservation staff first.
My report is on the old form. Do I need a new one?
Any inspection since April 1, 2026 has to use Rev. 04/26. An earlier report on the January 2012 form may still work: Citizens says it accepts one completed within five years before that date on an unchanged structure. Check with your own insurer.
What's the difference between wind mitigation and a 4-point?
Wind mitigation documents hurricane features that may earn credits. A 4-point inspection covers the condition of the roof, wiring, plumbing and A/C, which helps the insurer decide on the policy. Many older West Palm Beach homes need both.
Often booked together
Other Inspections in West Palm Beach
Pre-war houses here rarely stop at one report. These fit in the same trip. All inspection services in West Palm Beach
Roof Inspection in West Palm Beach
Drone and attic inspection for barrel tile, shingle and the flat sections behind Mission-style parapets.
Home Inspection in West Palm Beach
Top-to-bottom inspection for buyers and sellers, from Grandview Heights bungalows to newer homes out by Grassy Waters.
From our blog
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Also nearby
Wind Mitigation Inspections Near West Palm Beach
Other Palm Beach County cities follow this same Region logic. Cross into Broward and every address answers HVHZ instead, as our South Florida wind mitigation page explains.
Wind Mitigation Inspection across South Florida All service areas
Wind Mitigation Inspection in nearby cities
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Schedule Your West Palm Beach Wind Mitigation Inspection
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