Insurance inspections
4-Point, wind mitigation and roof certification.
Florida insurers often ask for one or more of these before they write or renew a policy. Book one, or combine them in a single visit.
Which one do you need?
Your insurer or agent will tell you which forms they want. Here’s how the three differ.
| Inspection | What it documents | Form | When insurers ask |
|---|---|---|---|
| 4-Point Inspection | Roof, electrical, plumbing and HVAC: type, age and condition | Your insurer’s 4-Point form | Usually older homes. Each insurer sets its own age rules. |
| Wind Mitigation | Construction features that resist wind, from roof nailing to opening protection | OIR-B1-1802 (Rev. 04/26) | To apply windstorm credits or discounts the home may qualify for. |
| Roof Certification | Roof covering, visible condition and estimated remaining life | Your insurer’s roof inspection form | Usually older roofs, based on the insurer’s age rules. |
Booking more than one
- Choose Insurance inspections in the request form and tick the ones you need
- Add any deadline your insurer gave you
- They’re usually done on the same visit
What you receive
- Each completed, signed form
- The photos each form requires
- Supporting permit or property records, where available
- Delivered within 24 hours
Questions
I’m not sure which forms I need.
Ask your agent, or include the insurer’s request in your notes and we’ll match it.
Will these lower my premium?
They document the home’s condition and features. Any credits, discounts or underwriting decisions are up to your insurer.
What does it cost?
It depends on the property and which services you combine. We confirm the price before anything is booked.
How soon do I get the report?
Within 24 hours of the inspection.
Need forms for your insurer?
Tick the inspections you need in the request form and add any deadline.