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Insurance Inspections · Florida

Insurance Inspection Services in Florida

Florida homeowners may be asked by their insurance carrier for inspection documentation — especially on older homes, at renewal, after a policy change, or when reviewing mitigation credits. We provide clear, insurer-ready reports for Palm Bay and Brevard County homeowners.

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Insurance Inspections Explained

What Florida homeowners need to know

"Insurance inspection" is a common shorthand, but it can refer to different inspection types depending on what your insurance carrier is asking for. Some carriers request a 4-point inspection before issuing or renewing a policy on an older home. Others may request a wind mitigation inspection to determine whether your home may qualify for credits on hurricane coverage. Some homeowners may need both.

Requirements depend on the insurance carrier, the property's age, location, and the specific policy. If your carrier requested documentation, confirm with them — or your insurance agent — which inspection type they need. Then we can help you schedule the right one.

Our Inspection Services

All seven inspection types — available to Florida homeowners

We provide all seven core inspection types. The 4-Point Inspection and Wind Mitigation Inspection are the two most commonly requested by Florida insurance carriers. Other services may also be relevant depending on your situation — confirm the specific inspection type with your carrier or agent before scheduling.

Buyer's Home Inspections

A complete evaluation of the property's condition to help buyers make informed decisions.

Seller's Pre-Listing Inspections

Identify issues early and help your home sell faster with confidence.

4-Point Inspections

Required by many insurance companies in Florida to evaluate the home's major systems and age.

Wind Mitigation Inspections

Ensure your home is built to withstand Florida's severe weather and may qualify for insurance discounts.

New Construction Inspections

Ensure your new home is built to standards and the quality you expect.

Termite Inspections & Treatment

Thorough termite inspections and effective treatments to protect your home from costly damage.

11-Month Builder Warranty Inspections

Catch issues before your warranty expires and protect your investment.
Decision Guide

Which inspection do I need?

Use this guide to find the right inspection for your situation — whether your carrier requested documentation or you need an inspection for another reason. For insurance-related documentation, confirm the exact type with your carrier or agent before scheduling.

Important

The first two items — 4-point and wind mitigation — are the inspection types most commonly requested by Florida insurance carriers. Carrier requirements vary by policy, property age, and underwriting guidelines. Always confirm the exact inspection type with your carrier or agent before scheduling.

  1. Your carrier asked about roof, electrical, plumbing, or HVAC condition

    Ask us about a 4-point inspection. See: 4-point inspection

  2. Your carrier asked about roof shape, wind features, hurricane straps, shutters, or opening protection

    Ask us about a wind mitigation inspection. See: wind mitigation inspection

  3. You are buying a home and want a full review of its visible and accessible condition

    Ask us about a buyer's home inspection. See: buyer's home inspection

  4. You are selling and want to identify issues before listing

    Ask us about a pre-listing inspection. See: pre-listing inspection

  5. You need documentation for wood-destroying organisms or termites

    Ask us about a termite & WDO inspection. See: termite & WDO inspection

  6. Your home is newly built and you need phase or final walkthrough support

    Ask us about a new construction inspection. See: new construction inspection

  7. Your builder warranty is nearing expiration and you want a final review

    Ask us about an 11-month builder warranty inspection. See: 11-month builder warranty inspection

Pricing & Timing

How much does an insurance inspection cost?

Inspection Cost
Call for current pricing

Pricing depends on the inspection type, property size, age, and any bundled services. Call (954) 899-3713 for a quick quote — no forms, no waiting. Scheduling both a 4-point and wind mitigation inspection in one visit may reduce the combined cost.

Report Delivery
Within 24 hours

On-site inspection time varies by inspection type and home size — typically 45 minutes to 1.5 hours. Your digital report is formatted for insurer submission and delivered within 24 hours.

Service Areas

Insurance Inspection Service Areas

The Only Solution Home Inspections is based in Palm Bay and serves insurance inspection clients across Central and South Florida — from Greater Orlando through Miami, coast to coast. Use the links below to confirm coverage by region, city, or county.

Brevard County
Palm BayMelbourneWest MelbourneMalabarGrant-ValkariaVieraRockledgeCocoaMerritt IslandTitusvilleCocoa BeachSatellite BeachIndialantic
Greater Orlando
OrlandoWinter ParkKissimmeeLake NonaOviedoSt. CloudOrange CountyOsceola County
Treasure Coast
SebastianIndian River County
South Florida
Fort LauderdaleWest Palm BeachBoca RatonMiamiPalm Beach CountyBroward CountyMiami-Dade County

View all service areas →

FAQ

Common questions about insurance inspections in Florida

What is an insurance inspection in Florida?
"Insurance inspection" is a general term for any inspection a Florida carrier may request before issuing or renewing a homeowners policy. It most commonly refers to a 4-point inspection, a wind mitigation inspection, or both. Which inspection type your carrier needs depends on the property, the policy, and the carrier's own requirements — confirm with your insurance agent or carrier if you are unsure which inspection to schedule.
Is a 4-point inspection the same as a wind mitigation inspection?
No. A 4-point inspection covers four home systems: roof, electrical, plumbing, and HVAC. Insurance carriers commonly request it for homes 25 years or older before they will issue or renew a policy. A wind mitigation inspection documents wind-resistant features — roof shape, deck attachment, roof-to-wall connections, and opening protection — and is used to determine whether a home may qualify for insurance credits. They serve different purposes, and many Palm Bay homeowners schedule both in a single visit.
When does a Florida homeowner need a 4-point inspection?
Florida insurance carriers often request a 4-point inspection for homes 25 to 30 years old or older, when switching carriers, renewing a policy, or purchasing an older home. Requirements vary by carrier and policy — check with your insurer or agent to confirm whether one is needed for your situation.
Can a wind mitigation inspection lower insurance costs?
It depends on what your home has. If your home has features such as a hip roof, impact-rated windows, hurricane straps, or a newer metal roof, your carrier may apply credits when you submit a wind mitigation report. Florida law requires carriers to offer premium discounts when wind mitigation documentation supports them. The inspection documents your home's features; your insurer determines the credit amount based on their rating guidelines. No specific savings amount can be guaranteed.
Which inspection should I schedule if my insurance company asked for documentation?
Ask your insurance agent or carrier to confirm the exact inspection type they need. Once you know — 4-point, wind mitigation, or both — call us and we can schedule the right inspection. If your carrier's request was general, we can explain the difference between both inspection types and help you determine what makes sense for your situation.
Is a full home inspection the same as an insurance inspection?
No. A full buyer's home inspection is a comprehensive evaluation of the home's visible and accessible systems and conditions — structure, exterior, interior, electrical, plumbing, HVAC, and more. A 4-point or wind mitigation inspection is a focused, insurance-driven report. If you are buying a home, your lender or insurer may require an insurance inspection in addition to — or separately from — a standard buyer's inspection. Confirm requirements with your insurer and lender before closing.
How much does an insurance inspection cost in Florida?
Pricing depends on the inspection type, the property, its size and age, and the documentation needed. We do not publish a fixed rate because the combination of factors — and whether multiple inspections are bundled in one visit — affects pricing. Call us for current availability and a quick quote. No forms, no waiting.
How do I schedule an insurance-related inspection in Florida?
Call us at (954) 899-3713 or use our contact form. We are based in Palm Bay and serve insurance inspection clients across Central and South Florida — from Greater Orlando through Miami. We typically offer same-week or next-day availability. If possible, have your insurance carrier's requested inspection type ready when you call — it helps us schedule the right service.
Book Your Inspection

Ready to schedule your inspection?

Call or fill out the online form — we respond quickly and offer same-week availability. Reports delivered within 24 hours.

Schedule Now (954) 899-3713