Standard Home inspection in Florida is a non-invasive, visual examination of the readily accessible systems and components of a home, performed by a licensed inspector in accordance with Florida's Standards of Practice (Florida Administrative Code 61-30).
This includes observing the structure, roof, electrical, plumbing, HVAC, interior,exterior, and site conditions that affect the structure—using normal operating controls and opening accessible panels.
The inspector reports in writing on any significantly deficient items or those nearing the end of their service life, along with recommendations for correction, monitoring, or further evaluation by specialists.
-It's Not a prediction of future conditions, a guarantee, an engineering report, or a code compliance inspection—it's a professional snapshot of the home's visible condition on the day of the inspection.
Why It's Important
A home inspection gives buyers essential information to:
Spot potential major issues before closing
Negotiate repairs or adjustments with the seller
Avoid costly surprises after purchase
Wind Mitigation Inspections
A wind mitigation inspection documents the features of your home that help it stand up to high winds. Florida insurance companies offer discounts for these features, but only if they're documented on the state's official form, the OIR-B1-1802.
During the inspection I document the roof covering and its permit dates, the roof deck attachment (nail type and spacing), roof-to-wall connections such as clips, single wraps, or double wraps, roof shape, secondary water resistance, and opening protection like impact-rated windows, doors, and shutters.
The whole thing usually takes under an hour, and you get the completed form to send to your insurance company. Many homeowners save several hundred dollars a year, and in some cases the discount pays for the inspection many times over. If you've never had one done, or your last one is over five years old, it's worth checking.
Four-Point Inspections
A four-point inspection is what insurance companies use to decide whether they'll write or renew a policy. It focuses on the four systems most likely to cause a claim.
I document the roof, including covering type, age, and condition; the electrical system, including panel type, wiring, and any known hazards; the plumbing, including supply and drain materials and water heater condition; and the HVAC, including age, type, and condition.
This isn't a full home inspection and isn't meant to replace one. It's a snapshot of those four systems for your insurance carrier.
If your agent, lender, or underwriter is asking for a four-point, give me a call and we'll get it scheduled. It usually takes under an hour and you get the completed form.
In Florida's humid, storm-prone environment, this step is especially valuable for protecting your investment and providing peace of mind.
Hire a DBPR-licensed inspector today— Contact me to schedule!!
