Keep Your Coverage — and Lower Your Premium
Florida's insurance market is demanding. Carriers frequently require a 4-point inspection to insure older homes and a wind mitigation report to document storm-resistant features — both at initial policy and at renewal. Without them, coverage can be denied, non-renewed, or priced far higher than necessary.
Closer Look Inspections provides both reports on the standardized forms Florida insurers use. Our wind mitigation report documents the construction features that qualify your home for premium credits, and our 4-point report gives carriers the current condition of the four major systems they care about.
The payoff is real. Wind mitigation credits can significantly reduce your annual premium, and having current reports ready keeps your renewal smooth instead of scrambling when your carrier asks for documentation.
What an Insurance Renewal Inspection Covers
The two reports Florida insurers rely on — documenting both the features that lower your premium and the systems that keep you insurable.
Wind Mitigation Report
We document the storm-resistant construction features insurers reward: roof covering and deck attachment, roof-to-wall connections, roof shape, and opening protection. These features can translate directly into premium credits.
4-Point Inspection
We report the current condition and age of the four systems carriers focus on for older homes: roof, electrical, plumbing, and HVAC. This is the report insurers require to write or renew coverage on many homes.
Roof Condition & Age
The roof is the single biggest factor in Florida insurability. We evaluate it with FAA-licensed drone inspection and document covering, condition, and estimated remaining life — central to both reports.
Documentation Insurers Accept
Both reports are delivered on the standardized forms Florida carriers use, so your insurance agent has exactly what they need to quote, write, or renew your policy accurately.
Insurance Report Coverage
- Wind mitigation
- Roof covering & deck attachment
- Roof-to-wall connections
- Roof shape
- Opening / impact protection
- 4-point
- Roof condition & age
- Electrical system
- Plumbing system
- HVAC system
- Roof evaluation
- FAA-licensed drone roof inspection
- Estimated remaining life
- Documentation
- Standardized insurer forms
- Photo documentation
- Prompt delivery
Three Reasons Homeowners Get Insurance Inspections
In Florida's insurance market, the right documentation protects both your coverage and your wallet.
Lower Your Premium
Wind mitigation credits reward storm-resistant features that many homes already have. Documenting them can significantly reduce your annual premium — often paying for the inspection many times over.
Keep Your Coverage
Carriers increasingly require a 4-point inspection to write or renew policies on older homes. Having a current report ready keeps your renewal from stalling or being declined.
Prove Storm Resilience
Florida is hurricane country, and insurers price for it. A wind mitigation report is how you prove your home's resilient features and get credit for them.
Why Central Florida Homeowners Trust Closer Look
Insurance reports are only useful if they're accurate and accepted. Here's what sets Closer Look apart:
- Certified Master InspectorKeith Wilson holds the Certified Master Inspector designation — the highest credential in the home inspection industry, requiring thousands of completed inspections, continuing education, and a verified track record. Most inspectors never reach this level.
- Licensed Florida Mold AssessorFlorida's humidity makes mold a real risk. Keith is a Florida Licensed Mold Assessor, so any suspected moisture or mold issue found during your service can be properly evaluated without bringing in a separate vendor.
- FAA-Licensed Drone Roof Inspection — IncludedSteep, multi-story, or tile roofs that can't be safely walked still get full aerial documentation as part of every full inspection. No additional charge, no skipped roof areas, no guesswork.
- Insurance Reports Included at No ChargeWind mitigation and 4-point insurance reports are included with every full home inspection — saving you the $150 to $300 other inspectors charge for these reports separately.
- Same-Day Digital ReportsYour full Scribeware report is delivered the same day via email, with color-coded priority labels and a built-in repair request builder you can send directly to the other party's agent.
- Live Answered Calls 24/7Real estate moves fast and questions don't wait. Carol Wilson and the Closer Look team answer calls live, around the clock. Scheduling typically happens within 48 hours.
The Inspection Process
From first call to delivered report, here's exactly what to expect when you book with Closer Look.
Schedule
Call 407-319-4608 or book online. Live answered 24/7. Scheduling typically within 48 hours to fit your timeline.
On-Site Inspection
Your inspector documents the wind mitigation features and the four major systems — typically about an hour, depending on the home.
Walkthrough
You're welcome on-site. Your inspector walks you through key findings, answers questions, and shows you what matters most.
Same-Day Report
Your full digital report — with photos, color-coded priorities, and repair request builder — is delivered the same day via Scribeware.
Frequently Asked Questions
Everything Central Florida property owners want to know before scheduling.
What's the difference between wind mitigation and 4-point?
A wind mitigation report documents storm-resistant features to earn you premium credits. A 4-point report documents the condition of the roof, electrical, plumbing, and HVAC so an insurer will write or renew coverage on an older home. Many homeowners need both.
Will a wind mitigation report really lower my premium?
It can — often significantly. If your home has features like a hip roof, strong roof-to-wall connections, or a newer roof covering, those can qualify for credits. The report documents them so your insurer can apply the discount.
Does my insurer require these inspections?
Many Florida carriers require a 4-point inspection to write or renew coverage on homes past a certain age, and most reward wind mitigation features. Check with your agent — and if they require documentation, we provide it on the standard forms.
How long are the reports valid?
Wind mitigation reports are generally accepted for several years, and 4-point reports are typically required to be recent at the time of policy or renewal. Your carrier sets the exact validity — we'll get you current documentation.
Can I get both reports in one visit?
Yes. We commonly perform the wind mitigation and 4-point inspections together in a single visit and deliver both reports promptly.
Do you serve my city in Central Florida?
Yes — we serve the entire greater Orlando metro, including Orlando, Winter Garden, Horizon West, Lake Nona, Windermere, Clermont, Winter Park, Saint Cloud, Ocoee, Davenport, and all communities across Orange, Osceola, Lake, Polk, Seminole, Volusia, and Sumter counties.
Ready to Schedule Your Insurance Inspection?
Scheduling within 48 hours • Same-day digital reports • Live answered calls 24/7