Insuring a Florida home comes down to two things: getting a policy at all, and not overpaying for it. Both hinge on documentation only a qualified inspector can provide. This is your one place for the inspections that make coverage possible — and a plain-English read on the market itself.
Whether you’re binding a new policy on an older home, hunting for premium credits, or just trying to understand a market that’s been in the headlines for years — start with the one that fits.
Most Florida carriers require a 4-Point before they’ll write — or renew — a policy on an older home. We document the four systems underwriters care about (roof, electrical, plumbing, HVAC) on the form they accept.
Florida law requires insurers to credit wind-resistant features — but only once they’re documented. We complete the state’s OIR-B1-1802 form so you can claim every discount your home qualifies for.
Where the Florida homeowners insurance market stands in 2026 — the carriers writing today, the new entrants, and how to actually shop for coverage. A plain-English resource, with company links.
After years of carriers leaving the state, Florida’s homeowners market is recovering — new insurers are entering, some rates are easing, and competition is returning. But the policies, and the credits, still go to the homeowners who can prove their home is insurable and storm-resilient. That proof is what we provide.
We’re inspectors, not agents. We don’t sell insurance — which is exactly why our 4-Point and Wind Mitigation reports carry weight. They’re independent documentation your carrier and agent rely on. Pair them with our market guide and you walk into the conversation informed.
One inspector, fast turnaround, the forms your carrier accepts. Book a 4-Point or Wind Mitigation inspection — or reach out and we’ll point you the right way.
