Insurance Inspections

Wind Mitigation Inspections

Florida law requires insurance companies to offer their customers discounts and credits for building features that help protect against wind damage - wind mitigation features - make a home stronger and help it withstand these forces.

The Inspector will collect the following information during an inspection, The age of the home to determine what building code was in place at the time of construction, the age of the roof, documentation to prove if the roof was installed to any certain building code, the roof deck attachment, roof to wall connection, roof shape, existence of a SWR and the opening protection of the doors and windows.  The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form.

Wind mitigation inspections are beneficial because they:

  • Identify mitigation features that are present on your home.
  • Help you understand how to make your home stronger and more resistant to damage.
  • Provide documentation for insurance premium discounts for the eligible wind mitigation features on our home. The saving on your premiums can be quite substantial up to 45% after a professional wind mitigation inspection is performed, fees start at $75.00.

Four Point Inspections

A 4-Point Inspection is required for all homeowner, dwelling and mobile home applications for properties over 30 years old. The 4-Point Inspection form includes the minimum data needed for underwriting to properly process the insurance application.

This brief report covers the essentials: 

  • Electrical System
  • Heating System including Central A/C
  • Roofing Structure
  • Plumbing

Roof Certification

A Roof Certification Inspection is an inspection performed to confirm the overall condition of the roof covering. The details are documented with photography as required. Typically, this inspection is requested by an insurance company as a prerequisite for issuing or reissuing homeowners insurance.