Do Condo Owners Need a Wind Mitigation or 4-Point Inspection?

It depends on your insurer

Condo unit owners carry an HO-6 policy, and each insurer sets its own rules. Many ask for a 4-point on older buildings, and a wind mitigation form can lower the windstorm part of the premium.

Wind mitigation for a condo unit

The OIR-B1-1802 form covers the building's construction and the unit's openings. Impact windows and doors in your unit are often where the savings come from.

4-point for a condo unit

For a unit, the 4-point usually focuses on what's inside: the electrical panel, plumbing and water heater, and the AC system. The roof belongs to the association, so it's often noted from available information.

Mid-rise and high-rise buildings

Some insurers ask for a building-level form for taller buildings. That is typically completed by a contractor or engineer for the association, not for an individual unit.