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.
Does Florida Homeowners Insurance Cover Mold? What's Covered
Whether your Florida homeowners policy pays for mold usually comes down to one question: was the water sudden, or gradual? Here's what's typically covered, what's almost always excluded, and why the documentation of cause decides your claim.
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.