Need Home Inspection report for Insurance?
Same Day Home Inspection for Insurance – 4 Point & Wind Mitigation Bundle – $235
We Inspect Your Home Like You’re Family!
Comprehensive residential buyer inspections and Florida insurance-approved reports across Pinellas, Hillsborough, and Pasco counties with guaranteed same-day delivery.
Complete Florida Insurance Inspection Bundle: 4-Point + Wind Mitigation
When securing or renewing homeowners insurance in Florida, insurance carriers typically require two essential reports: a 4-Point Inspection and a Wind Mitigation Inspection. Together, these two inspections provide everything your insurance agent needs: the 4-Point proves your home meets eligibility safety standards, while the Wind Mitigation secures all statutory premium discount credits available under Florida law.
Our $235 Insurance Bundle combines both full inspections into a single convenient appointment, saving you $30 compared to ordering separately, with guaranteed same-day digital delivery for both reports.
1. 4-Point Inspection (Eligibility)
Standalone: $140 | Purpose: Policy Approval
Evaluates the condition, age, and safety of the four core home systems to ensure the property is free from major hazard risks:
- Roof System: Age, covering condition, remaining useful life, and absence of leaks.
- Electrical System: Panel brands, capacity, branch wiring (checking for cloth or aluminum), and double-taps.
- Plumbing System: Supply and drain lines (checking for polybutylene or galvanized), water heater age, and active leaks.
- HVAC System: Operational central cooling and mandatory permanent heating source.
2. Wind Mitigation (Discounts)
Standalone: $125 | Purpose: Premium Reductions
Documents storm-hardened construction features on State Form OIR-B1-1802 to apply mandatory premium credits to your policy:
- Roof Geometry: Verifies hip roof design (slopes on all sides), which unlocks the largest credit.
- Roof-to-Wall Connections: Identifies hurricane straps, single wraps, or clips tying trusses to masonry/frame.
- Roof Deck Attachment: Verifies nail size (8d nails) and spacing into rafters.
- Secondary Water Barrier & Openings: Documents sealed decking (SWR tape) and impact-rated shutters, doors, and windows.
Service Breakdown: Standalone vs. Combo Bundle
| Feature / Benefit | 4-Point Only ($140) | Wind Mitigation Only ($125) | Combo Bundle ($235) |
|---|---|---|---|
| Primary Goal | Underwriting qualification | Rate discounts (Form OIR-B1-1802) | Qualification + Maximum Discounts |
| Systems Evaluated | Roof, Electric, Plumbing, HVAC | Roof structure, straps, glass protection | All 4 Systems + All Storm Features |
| On-Site Time | ~25–35 mins | ~20 mins | ~35–45 mins (Single Visit) |
| Report Turnaround | Same Day | Same Day | Both Reports Delivered Same Day |
| Total Cost | $140 | $125 | $235 (Instant $30 Savings) |
Frequently Asked Questions: 4-Point & Wind Mitigation Bundle
Why do insurance agents always recommend ordering both together?
Because one without the other leaves your insurance incomplete. Without the 4-Point report, an older home cannot qualify for coverage. Without the Wind Mitigation report, you forfeit legally mandated insurance credits that can reduce the windstorm portion of your bill by hundreds of dollars each year.
Are both reports completed during the same appointment?
Yes. Our licensed inspector examines the electrical panels, plumbing fixtures, HVAC systems, and water heater, while simultaneously entering the attic and documenting the roof structure, decking nails, and truss tie-downs. You only need to schedule once.
Will Citizens Property Insurance and private carriers accept these reports?
Yes, 100%. Our reports are completed by Florida licensed inspectors, adhere strictly to Florida DBPR guidelines, and use the official Florida Wind Mitigation Form (OIR-B1-1802) and standard 4-point insurance inspection format accepted by Citizens and all private underwriters.
How quickly are the bundled reports delivered?
Both full digital PDF reports—including all required photo documentation and verification tags—are sent on the same day as your inspection directly to you and your insurance agent.
Need Only One of These Insurance Inspections?
While bundling both delivers the greatest convenience and immediate $30 savings, you can also schedule our individual insurance inspection services anywhere across Tampa Bay:
- Standalone 4-Point Inspection ($140): Learn what is covered, common insurance red flags, and requirements on our dedicated 4-Point Inspection in Tampa & Pinellas page.
- Standalone Wind Mitigation Inspection ($125): See how roof geometry, hurricane clips, and Form OIR-B1-1802 lower your premiums on our dedicated Wind Mitigation Inspection in Pinellas & Tampa page.
- Buying a Home? If you need a comprehensive 400+ point assessment before closing, explore our full Comprehensive Home Buyer’s Inspection.
Trusted by Homeowners & Agents Across Tampa Bay
Real feedback from local buyers, property investors, and Florida real estate professionals.
“This is the 3rd inspection I have had with Ildar on my personal home. He is very professional, on time, thorough, and answers any questions you have. As a 30-year Real Estate Broker, in my opinion, this company is one of the best in the business. I will continue to use them and recommend them to my buyers and sellers.”
“It was an awesome experience! Very fast response, friendly yet professional. Was able to schedule right away to meet tight deadline constraints. The inspector was very nice and thorough. The report was done by that afternoon! Highly recommend to anyone for their excellent pricing, service, and quick response.”
“It was super easy to schedule an inspection online through their website. I was able to get a 4-point inspection scheduled promptly and the full report completed on the same day. Great communication, clear photo evidence, and smooth insurance submission.”
Service Area & Coverage
Fast scheduling & same-day reports throughout Tampa Bay and coastal Florida communities.
Schedule Your Inspection Online
We’ll Inspect Your Home Like You’re Family!
Fill out the form below — it takes less than a minute and we’ll confirm your appointment ASAP.
If you prefer to speak directly, call us at 727‑205‑6090
Our Inspection Services & Pricing
Florida DBPR Licensed • Insured • Same-Day Digital Reports
Comprehensive Home
Exhaustive structural, mechanical, electrical & plumbing check before closing.
- FREE Thermal Moisture Scan
- FREE Drone Roof Scan
- FREE Visual Pest Check
- InterNACHI 90-Day Buy-Back Guarantee
4-Point Inspection
Mandatory insurance safety inspection for older homes.
- Accepted by Citizens & all carriers
- Roof, Electric, Plumbing & HVAC
- Full photo proof documentation
- Same-day digital report
Wind Mitigation
Documents storm features to reduce insurance cost.
- Form OIR-B1-1802
- Hip roof & hurricane clip credits
- Valid for 5 full years
- Cannot raise your rates
4-Point & Wind Bundle
Both inspections in 1 appointment for full insurance clearance.
- Complete policy qualification
- Maximum insurance discounts
- Instant $30 bundle savings
- Both reports delivered same day
