Florida Insurance Inspection Package
4-Point + Wind Mitigation. One visit, complete coverage.
Everything your Florida homeowners insurance needs in a single appointment. Same licensed inspector, both reports, faster approval — and $50 off vs. booking separately.
Available throughout South Florida — Miami, Fort Lauderdale, West Palm Beach, Boca Raton, and all surrounding communities.
What's included
Two inspections, one visit.
$150 value
4-Point Inspection
Required by most Florida insurers for homes 25+ years old.
- Electrical System — Panel, wiring, outlets, grounding
- Plumbing System — Water heater, supply lines, fixtures, drains
- HVAC System — Heating and cooling equipment, age, condition
- Roof — Age, condition, remaining life, leak evidence
$150 value
Wind Mitigation Inspection
Documents wind-resistant features for insurance discounts (10–45%).
- Roof Covering — Material and attachment method
- Roof Deck Attachment — Nail pattern + secondary water resistance
- Roof-to-Wall Connections — Clips, single/double wraps
- Opening Protection — Impact glass, shutters, code year
Package pricing
$250 for both. $50 off.
Get both inspections at a bundled rate. One trip, one inspector, both reports — typically delivered the next morning.
You save $50
Why bundle?
Saves you money
Save $50 versus booking separately.
Saves you time
One appointment, less disruption, faster approval.
Lower premiums
Wind mitigation features can cut premiums 10–45%.
Meets all requirements
Covers what Florida insurers ask for in one go.
South Florida insurance requirements
Why these inspections matter in our area.
High-wind zone requirements
South Florida sits in the Atlantic hurricane corridor. Properties in Palm Beach, Broward, and Miami-Dade qualify for significant insurance discounts when wind-resistant features are properly documented.
Aging housing stock
Many homes in Fort Lauderdale, Miami, West Palm Beach, Boca Raton, and surrounding communities are 30+ years old — triggering mandatory 4-Point inspection requirements from most carriers.
Insurance market challenges
Florida's tightening market (Citizens and private carriers alike) makes complete documentation essential — especially for coastal properties in Miami Beach, Fort Lauderdale Beach, and Palm Beach, and older homes in Coral Gables, Plantation, and Wellington.
Local market expertise
We know South Florida building codes, common construction methods, and what insurers expect across Miami-Dade, Broward, and Palm Beach counties.
Service area
Serving homeowners across South Florida.
Available throughout Palm Beach, Broward, and Miami-Dade counties — plus Martin, St. Lucie, and Monroe.
Palm Beach County
- West Palm Beach
- Boca Raton
- Delray Beach
- Boynton Beach
- Jupiter
- Palm Beach Gardens
- Wellington
- Royal Palm Beach
- Lake Worth
- Greenacres
- Lantana
- Palm Springs
- Riviera Beach
- Juno Beach
- Tequesta
- North Palm Beach
- Palm Beach
- Atlantis
Broward County
- Fort Lauderdale
- Pompano Beach
- Hollywood
- Pembroke Pines
- Coral Springs
- Miramar
- Davie
- Plantation
- Sunrise
- Weston
- Deerfield Beach
- Coconut Creek
- Hallandale Beach
- Lauderhill
- Tamarac
- Margate
- Oakland Park
- Wilton Manors
- Lighthouse Point
- Lauderdale-by-the-Sea
Miami-Dade County
- Miami
- Miami Beach
- Coral Gables
- Hialeah
- Kendall
- Homestead
- North Miami
- Aventura
- Doral
- Miami Lakes
- Pinecrest
- Key Biscayne
- Sunny Isles Beach
- Cutler Bay
- Miami Gardens
- Florida City
- Palmetto Bay
- South Miami
- Bal Harbour
- Surfside
Other Areas
- Martin County (Stuart, Jensen Beach, Palm City)
- St. Lucie County (Port St. Lucie, Fort Pierce)
- Monroe County (Key Largo, Islamorada, Marathon, Key West)
Same-day scheduling available · Mobile service to your property · No travel fees in service area
Who it's for
Perfect if you're…
- Applying for new homeowners insurance
- In a home over 30 years old (4-Point typically required)
- Seeking insurance premium discounts
- Finalizing insurance before closing
- Renewing or switching carriers
- In a high-wind zone (most of South Florida)
What to expect
From booking to report.
- 1
Schedule
Book online or call (786) 863-4866. Confirmation within 1–2 days.
- 2
Inspection (60–90 min)
Licensed inspector evaluates both 4-Point and wind mitigation features.
- 3
Reports
Both reports delivered within 24 hours, ready to submit to your insurer.
FAQ
Frequently asked questions.
- How long does the package inspection take?
- Typically 60–90 minutes total. Both inspections are completed during the same visit by the same licensed inspector.
- When will I receive my reports?
- Within 24 hours of the inspection. You'll receive both the 4-Point report and the wind mitigation form (OIR-B1-1802).
- Can I schedule just one inspection?
- Yes. You can book a 4-Point inspection only or wind mitigation only. Most homeowners save money and time by bundling both for $250.
- Will this lower my insurance premium?
- Wind mitigation features typically save 10–45% on premiums. A clean 4-Point inspection helps you qualify for better rates and coverage.
- What if issues are found?
- We document everything accurately and call you immediately if any safety concerns are discovered. You'll have detailed photos and descriptions in your report.
- Are you licensed and insured?
- Yes. Licensed Florida home inspector, fully insured, certified for both 4-Point and Wind Mitigation inspections.
- Do I need both inspections?
- Most Florida insurers require a 4-Point inspection for homes over 30 years old. Wind mitigation is optional but highly recommended — it can significantly reduce your premiums.
- Do you serve my area in South Florida?
- Yes. We provide insurance inspection packages throughout Palm Beach County, Broward County, and Miami-Dade County — including Miami, Fort Lauderdale, West Palm Beach, Boca Raton, and all surrounding communities. We also serve Martin County, St. Lucie County, and the Florida Keys. Call (786) 863-4866 to confirm availability in your specific location.
- Are there any travel fees for my location?
- No travel fees within our standard service area (Palm Beach, Broward, and Miami-Dade counties). Some remote areas in the Keys or northern counties may have a small trip charge. We'll let you know upfront when you schedule.
- How familiar are you with insurance requirements in my county?
- We're licensed Florida home inspectors with extensive experience across South Florida. We understand county-specific building codes, common construction methods, and insurance company requirements — whether you're in Miami-Dade's coastal properties, Broward's inland communities, or Palm Beach's established neighborhoods.
The individual inspections
4-Point Inspection
Roof, electrical, plumbing, HVAC — what Florida insurers require for older homes.
Wind Mitigation Inspection
The Florida-specific report that can cut your homeowner's premium by hundreds per year.
Residential Home Inspection
The full picture before you sign — 400+ point walkthrough, photo-documented.
Complete your insurance requirements in one visit.
Book the package — $250 for both inspections, reports back within 24 hours.
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