Question 1

What does a Florida wind mitigation inspection involve?

Accepted Answer

A wind mitigation inspection evaluates specific construction features that reduce hurricane damage risk: roof shape (hip vs. gable), roof deck attachment method, roof-to-wall connection type, roof cover type and installation date, and secondary water resistance (self-adhering underlayment). The inspector completes OIR Form 1802, which you submit to your insurer to obtain wind mitigation premium credits. This inspection must be performed by a qualified inspector (licensed engineer, contractor, or building inspector) — our inspectors are all FL-licensed.

Question 2

How often should a Florida roof be inspected?

Accepted Answer

We recommend annual inspections for Florida roofs given the intensity of UV exposure, hurricane season, and heavy rainfall. At minimum, inspect after any significant storm and whenever you notice interior signs of moisture. Insurance carriers increasingly require proof of recent inspection at renewal, particularly for roofs over 15 years old. For tile roofs, walking on them improperly during inspection can cause as much damage as a storm, so always use a licensed roofer.

Question 3

What is a 4-Point inspection and when is it required?

Accepted Answer

A 4-Point inspection is required by many Florida insurers when a home is over 25–30 years old or changing ownership. It covers the four major systems: roof (age, condition, remaining life), electrical (panel type, wiring type), plumbing (supply and drain material), and HVAC (age, condition). The roof section is the most scrutinized — insurers will often decline coverage or require immediate replacement for roofs over a certain age or in poor condition.

Question 4

Can a roof inspection help me avoid an insurance cancellation?

Accepted Answer

Yes. Florida insurers have been non-renewing policies for roofs over 15–20 years old. A professional inspection showing the roof is in good condition with significant remaining life can support a waiver or exception request to your carrier. We provide inspection reports formatted specifically to address insurer concerns and document every attribute that supports continued coverage.

Question 5

What does a pre-purchase roof inspection cover that a home inspection doesn't?

Accepted Answer

General home inspectors provide a broad overview but are not roofing specialists. A specialist inspection goes deeper: material-specific defect patterns (e.g., granule loss patterns indicating age in shingles, hairline cracks in tile that general inspectors miss), detailed flashing assessment, attic ventilation adequacy, evidence of prior repairs and their quality, and an estimate of remaining service life. Given the significant investment a roof replacement represents, a specialist inspection is among the best due diligence investments a buyer can make.

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