Two Inspections That Could Save You Hundreds Every Year
Florida homeowners are required to carry insurance — but you don't have to overpay for it. Our licensed inspectors deliver fast, certified reports that unlock real discounts.
What Is a 4 Point Inspection?
A 4 point inspection evaluates the four major systems of your home that insurance companies care about most. Most insurers require this report for homes 25 years or older before they'll issue or renew a homeowners policy in Florida.
Roof
We assess the roof covering material, its condition, and estimated remaining life. An aging or damaged roof is the #1 reason insurance companies deny coverage or raise premiums.
Electrical
We inspect the electrical panel, wiring type, and overall system condition. Outdated wiring (aluminum, knob-and-tube) or unsafe panels can be a dealbreaker for insurers.
Plumbing
We document the plumbing materials, water heater age, and visible condition. Polybutylene or galvanized pipes can trigger coverage exclusions or higher rates.
HVAC
We evaluate your heating and cooling systems, including age and condition. Older or failing HVAC systems signal risk to underwriters and can affect insurability.
Who Needs a 4 Point Inspection?
- Homes 25 years old or older
- Buyers purchasing an older home
- Homeowners renewing or shopping for insurance
- Anyone whose insurer has requested a current report
What Is a Wind Mitigation Inspection?
Florida law (Florida Statute 627.0629) requires insurance companies to offer premium discounts to homeowners who have wind-resistant features. A wind mitigation inspection documents those features — and the savings can be dramatic.
Roof Covering
The type and installation method of your roof covering affects how well it resists wind-driven rain and uplift. Newer, code-compliant materials earn the best credits.
Roof Deck Attachment
How your roof deck is nailed or screwed to the framing determines how well it stays on in a storm. Stronger attachment patterns mean bigger discounts.
Roof-to-Wall Connection
Clips, straps, and other connectors tie your roof structure to your walls. Homes with hurricane straps can see significant premium reductions.
Roof Shape
Hip roofs (sloped on all four sides) perform better in high winds than gable roofs. Your roof geometry directly impacts your wind mitigation credit.
Opening Protections
Impact-resistant windows, doors, and shutters protect against wind-borne debris. Fully protected openings can unlock the largest single discount category.
Secondary Water Resistance
A secondary water barrier (SWR) under your roof covering prevents water intrusion if the primary covering is damaged. This feature earns additional credits.
How Much Can You Save?
Florida homeowners with qualifying wind mitigation features routinely save $300–$800 or more per year on their insurance premiums. The inspection typically pays for itself in the first month of savings alone. Your insurer is required by law to apply these discounts — but only if you have the certified report to prove it.
From Call to Certified Report in Hours
Book Online or Call
Fill out our quick form or give us a call. We'll confirm your same-day or next-day appointment within the hour.
We Come to You
A licensed inspector arrives at your property on time. The inspection typically takes 45–90 minutes depending on the size of your home.
Report Delivered On Site
Your certified inspection report is completed before we leave your driveway. No waiting days for a PDF — you get it in hand immediately.
Submit to Your Insurer
Take your report directly to your insurance agent. They're required by law to apply any qualifying discounts to your premium right away.
Ready to Start Saving?
Book your inspection today. Same day appointments available across the Tampa Bay area.