Frequently asked questions
How much does a wind mitigation inspection cost?
A wind mitigation inspection is $200 and uses the official OIR-B1-1802 form your insurance company requires. It is often bundled with a 4-Point inspection.
How much can a wind mitigation inspection save?
It depends on your home and insurer, but documented features like a hip roof, roof-to-wall clips or straps, a secondary water barrier and impact-rated openings can reduce the windstorm portion of a premium substantially. Your agent can tell you the exact credits once the form is on file.
How long is a wind mitigation report good for?
The OIR-B1-1802 form is valid for up to five years, as long as no changes are made to the roof or openings.
Do I need to be home?
Someone needs to give access to the attic and the home. The inspection usually takes about an hour.
Can you do a wind mitigation and 4-Point at the same time?
Yes. Most insurers ask for both on older homes, and doing them in one visit saves you time.
When do I need a 4-Point inspection?
Most Florida insurers, including Citizens, require a 4-Point on homes that are about 25 to 30 years or older before writing or renewing a policy.
What fails a 4-Point inspection?
Common problems are roofs near the end of their life, Federal Pacific or Zinsco panels, aluminum branch wiring, polybutylene plumbing, and active leaks. I'll tell you on site if I see something an insurer is likely to flag.
Do you look up permits?
Yes. I pull roof, A/C, electrical and water heater permits from the county or city so the update years on your form are documented.
How much is a home inspection?
A full home inspection is $625, and it includes aerial drone photos of the roof so you can see its condition up close.
Why do you use a drone?
A drone shows the entire roof, including areas that are unsafe or impossible to walk, like steep tile roofs and second stories. You get clear overhead photos in your report.
When should I test for mold?
After a leak, flood or hurricane, if there's a musty smell, if someone in the home has unexplained allergy symptoms, or before buying a home that's been closed up.
How long do lab results take?
Samples go to an accredited lab; results usually come back within a few business days.
What areas do you serve?
Lee and Collier counties, from Cape Coral and Fort Myers south through Estero, Bonita Springs and Naples to Marco Island.
How fast will I get my report?
Wind mitigation and 4-Point reports are usually delivered within 24 hours. Full home inspection reports are typically delivered the same or next day.
Need a report for your insurance company?
Most wind mitigation and 4-Point reports are delivered within 24 hours of the inspection.