The short version
Florida insurers commonly ask for three things: a 4-point inspection (checks roof, electrical, plumbing, and HVAC — usually required on homes 30+ years old), a wind mitigation inspection (documents roof features that resist hurricanes and can earn you premium discounts), and sometimes a roof certification (confirms remaining roof life). Most cost $100–$250 each, and bundling them in one visit saves money.
Why Florida Insurers Demand Roof Inspections
Florida's property-insurance market has tightened dramatically. After years of hurricane losses and rising claims, carriers now scrutinize roofs harder than anywhere else in the country. If your roof is older, or you're switching carriers, or you're buying a home, the insurer wants documented proof of its condition before they'll write or renew a policy. That documentation comes from one of the standardized inspections below.
The good news: these inspections aren't just hoops. A wind mitigation report can cut hundreds of dollars off your annual premium, and a clean 4-point can be the difference between getting approved and getting declined. Knowing which one you need — and getting it done right the first time — saves you money and stress.
The Three Florida Insurance Inspections, Compared
| Inspection | What it checks | When it's required | Effect on premium | Typical cost |
|---|---|---|---|---|
| 4-Point | Roof, electrical, plumbing, HVAC | Homes ~30+ years old; new policy or renewal | Required to get covered | $100–$200 |
| Wind Mitigation | Roof shape, covering, attachment, bracing, openings | Anytime — voluntary, to earn discounts | Can lower your premium | $100–$175 |
| Roof Certification | Roof age, condition, remaining life | Older roofs; carrier asks for proof of life | Required to keep coverage | $125–$250 |
Not sure which your carrier wants? Forward us the email or letter and we'll tell you exactly what to book — request a quote here or call (407) 437-9477.
1. The 4-Point Inspection
A 4-point inspection looks at the four systems insurers care most about: the roof, electrical, plumbing, and HVAC. It's the standard requirement for older Florida homes (commonly 30 years and up) when you apply for or renew a policy. It's not a full home inspection — it's a focused snapshot of whether those four systems are in safe, insurable condition.
Need one booked for a deadline? See our Orlando 4-point inspection service.
2. The Wind Mitigation Inspection
This is the one that can save you money. A wind mitigation inspection documents the hurricane-resistant features of your roof — its shape, the covering, how the deck is attached, whether there are hurricane straps, and how the openings are protected. Each qualifying feature can earn a credit on your windstorm premium. For many Central Florida homes, the discounts more than pay for the inspection in the first year.
Ready to book? See our Orlando wind mitigation inspection service.
3. Roof Certification
When your roof is older, a carrier may ask for a roof certification — a signed statement of the roof's current condition and estimated remaining life (often 3 or 5 years). It's how insurers decide whether to keep covering an aging roof. A passing certification can keep your policy in force; a failing one tells you it's time to plan for repairs or replacement before you get a non-renewal.
Learn more in our guide to roof certification for insurance, see insurance roof inspections in Orlando, or typical pricing.
Beat Your Insurance Deadline
We deliver insurance-ready 4-point, wind mitigation, and certification reports fast — often same or next day. Don't risk a lapse in coverage.
Call (407) 437-9477Request a Free QuoteWhat These Inspections Cost in Central Florida
Individually, most insurance inspections run $100–$250. The smart move is to bundle: combining a 4-point and a wind mitigation in a single visit is almost always cheaper than two separate trips, and you get both insurer-ready reports at once. Use our cost calculator for a quick estimate, or read the full roof inspection cost guide.
Frequently Asked Questions
Which inspection does my insurance company need?
Can I get a 4-point and wind mitigation at the same time?
How fast can I get the report?
Will a wind mitigation inspection really lower my premium?
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