Insights
Articles & expert analysis
Professional articles and guides from Florida licensed home inspectors Wesley Williford and Guillermo Ruiz. Inspection insights, insurance guidance, and practical advice for homeowners and buyers.
What a Florida 4-Point Inspection Covers — and What Fails One
A 4-point inspection is the gateway to insuring an older Florida home — it documents your roof, electrical, plumbing, and HVAC for the carrier. Here's exactly what it covers, what most often gets a home flagged, and what to do if yours has a red flag.
How to Read Your Florida Wind Mitigation Report (OIR-B1-1802)
Your wind mitigation report decides how big a discount you get — but it's a multi-page form full of code references and checkboxes. Here's how to read each of the seven sections of the OIR-B1-1802, and how to spot the rules that quietly cost homeowners their credit.
Florida's New Wind Mitigation Form: How Much Can You Save?
Florida replaced its decade-old wind mitigation form on April 1, 2026, just as insurers started cutting rates for the first time since 2015. Here's what changed on the OIR-B1-1802 and how the inspection actually lowers your windstorm premium.