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Miami Service Area

Home Inspection Services in Miami, FL

The Only Solution Home Inspections serves Miami buyers, sellers, homeowners, and insurance inspection clients throughout Miami-Dade County. Miami's housing stock is among the most diverse in the state — 1940s–1960s CBS bungalows in Coconut Grove, Coral Way, Little Havana, and Little Haiti; 1970s–1980s condo towers in Brickell, Edgewater, and downtown; and 2000s–2010s luxury high-rises built under Miami-Dade's HVHZ requirements. Virtually all pre-1990s Miami housing meets the 25-year threshold Florida insurers apply for 4-point inspections. All of Miami falls within the High-Velocity Hurricane Zone — the most stringent wind code in the US. Fully bilingual English and Spanish service.

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Miami Miami-Dade County
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Licensed & Insured · Serving Miami-Dade County and South Florida
Miami

Home inspections for Miami's diverse housing stock, HVHZ requirements, and Florida's most challenging insurance market

Miami's housing stock is among the most diverse in the state — spanning 1940s–1960s CBS bungalows and courtyard apartments in Coconut Grove, Coral Way, Little Havana, and Little Haiti through 1970s–1980s condominium towers in Brickell, Edgewater, and downtown, to 2000s–2010s luxury high-rises built under Miami-Dade's HVHZ code requirements. Virtually all pre-1990s housing in Miami meets or exceeds the 25-year threshold Florida insurers apply for 4-point inspection requirements — and much of the 1990s stock is at or approaching that threshold. Older single-family homes may have original or aging electrical panels, polybutylene or galvanized plumbing, and HVAC systems at or past their expected service life.

All of Miami falls within Miami-Dade County's High-Velocity Hurricane Zone (HVHZ) — the most stringent wind code classification in the United States. Since 2002, Miami-Dade has required impact windows, doors, and hurricane-rated openings on all new construction under Miami-Dade Product Approval (NOA) standards. Pre-2002 homes and older condo towers may have accordion shutters, panel shutters, or standard windows. A wind mitigation inspection documents hurricane-resistant features that insurers use to evaluate wind risk and may apply as credits on your homeowners policy. Miami sits at the center of Florida's most challenging homeowners insurance market — many private carriers have reduced or exited Miami-Dade, and Citizens Insurance is the insurer of last resort for a significant share of homeowners and condominium associations. For a county overview, see our Miami-Dade County service area page.

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When to Schedule

Common inspection scenarios in Miami

Buyers
Before closing on a home

Buying a CBS bungalow in Coconut Grove, a condo in Brickell, or a home in Little Havana? A buyer's home inspection before closing documents the property's full condition before you commit.

Sellers
Before listing a property

A pre-listing inspection before listing your Miami home lets you address issues proactively, price accurately, and avoid surprises that derail a closing.

Insurance
When a carrier requests documentation

Virtually all pre-1990s Miami homes require a 4-point inspection for policy renewal in Miami-Dade's challenging insurance market. A wind mitigation inspection documents HVHZ features that may reduce your premium.

New Construction
Before the builder walkthrough or warranty deadline

Building or recently built in Miami? A new construction inspection or 11-month builder warranty inspection catches defects before your warranty window closes.

Coverage

Miami and nearby Miami-Dade County communities

We serve all of Miami — including ZIP codes 33101, 33109, 33125–33147, 33149–33150, 33155–33162, 33165–33190 — and the surrounding Miami-Dade County area. Nearby communities we also cover include Kendall, Doral, Miami-Dade County, Coral Gables, and Hialeah. Call to confirm scheduling for your specific address.

Miami-Dade County

Part of our Miami-Dade County service area

Miami is the center of our Miami-Dade County service area. Our Miami-Dade County service area covers the full county — from Hialeah in the north to Kendall in the south, and from Doral near the airport to Miami and Coral Gables. View our full inspection services or South Florida service area for the complete coverage picture.

FAQ

Common questions about home inspections in Miami

Do you serve Miami for home inspections?
Yes. We serve all of Miami — from 1940s–1960s CBS bungalows in Coconut Grove, Coral Way, Little Havana, and Little Haiti through 1970s–1980s condo towers in Brickell, Edgewater, and downtown, to 2000s–2010s luxury high-rises built under Miami-Dade's HVHZ code requirements. We cover Miami ZIP codes including 33101, 33109, 33125–33147, 33149–33150, 33155–33162, 33165–33190. Call to confirm scheduling for your specific address. We provide fully bilingual English and Spanish service.
Are 4-point inspections required for Miami homes?
Florida insurance carriers commonly require a 4-point inspection for homes 25 years or older before issuing or renewing coverage. In Miami, virtually all pre-1990s housing — CBS bungalows, courtyard apartments, and condo towers — meets or exceeds this threshold. Miami-Dade's insurance market is one of the most challenging in Florida: many private carriers have reduced or exited, and Citizens Insurance is the insurer of last resort for a large share of homeowners and condominium associations. A clear, accurate 4-point report is especially important in this market. Requirements vary by carrier — confirm with your insurance agent.
Is a wind mitigation inspection worth it in Miami?
Yes. All of Miami falls within Miami-Dade County's High-Velocity Hurricane Zone (HVHZ) — the most stringent wind code classification in the US. A wind mitigation inspection documents hurricane-resistant features — roof shape, deck attachment, roof-to-wall connections, opening protection, and secondary water resistance — that Florida insurers use to evaluate wind risk and may apply as credits on your homeowners policy. Since 2002, Miami-Dade has required impact-rated openings on all new construction under Miami-Dade Product Approval (NOA) standards. Pre-2002 homes and older condo towers may have accordion shutters, panel shutters, or standard windows. In Miami's difficult insurance market, documenting what wind-resistant features the home actually has is one of the most effective tools available for managing coverage costs.
Do Miami homes need termite inspections?
Yes. Miami-Dade County has among the highest termite pressure in the US. Formosan subterranean termites — one of the most destructive species in North America — are active throughout Miami-Dade year-round, alongside drywood and native subterranean species. There is no seasonal dormancy in Miami's subtropical climate. A termite inspection in Miami documents visible signs of activity, wood damage, and moisture conditions. Treatment, if needed, is performed by a licensed pest control provider.
How do I schedule a home inspection in Miami?
Call us at (954) 899-3713 or contact us online. We provide fully bilingual English and Spanish service — an important differentiator in Miami's large Latin American community, where Spanish is co-primary for a significant portion of clients. We confirm availability for your location and deliver written reports within 24 hours of the inspection.
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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.

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