Four-point inspection
This commonly addresses roof, electrical, plumbing, and HVAC. The insurer decides whether it is required and what findings are acceptable.
Appraisals and Property
Florida insurance inspections can affect closing
An insurer may request a four-point inspection, wind-mitigation report, roof documentation, or other information before binding coverage, especially for an older Florida home.
Wind mitigation
Documented wind-resistant features may affect eligibility or premium credits. Requirements and credits depend on the insurer and current rules.
Insurance drives the payment
Premium, deductible, exclusions, flood needs, and availability can materially change the monthly payment and property eligibility.
Start early
Ask an insurance professional for exact requirements and schedule any inspections well before financing and insurance deadlines.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
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