You've bought houses before — just never one built like this. What buyers moving to Nocatee, RiverTown, Shearwater and Silverleaf from out of state consistently don't know to ask about a new Florida home.

A 4-point and a wind mitigation inspection answer questions for your insurer — a home inspection answers them for you. Here's what each one covers, what changed with the 2026 wind-mitigation form, and why "just get a 4-point to save money" is a costly mistake.