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I don't see why there is a need for a wind mitigation inspection IF I have had two of them in the last five years. I have also had two 4pt (or whatever they call them) inspections in five years. I've put on a new roof a couple years ago (paid for myself, not my insurance) that is rated for life (likely 35 yr shingles) and replaced my ac. Yet, every time you change insurance, they seem to want a new, up to date inspection. They told me that they would give me a big discount if I replaced my roofing and I did and they did. The next year after the roof replacement, the price went back up about 50%. Probably the best thing to do is NOT have a mortgage so that they can't force you to purchase insurance. Then, build up a savings account for emergencies. Be your own insurer. Not everyone can do that. I guess it's another of those "if you don't like it, then move." And that's what I am considering, not that it matters to big companies that can control the market and always have plenty of fish in the sea, waiting to move in.