Roof Inspections in DeLand & Volusia County, FL

What is a 4-point inspection in Florida?

A 4-point inspection is an insurance underwriting report on the four major systems of a home — roof, electrical, plumbing, and HVAC. Florida insurers commonly require it before writing or renewing a policy on an older home, often around 30 years old and sometimes much newer. It documents each system's age, condition, and remaining life.

For most Volusia County homeowners, the roof section is the part that decides the outcome. Carriers generally want to see a roof in sound condition with several years of useful life remaining and no active leaks. The form itself is completed by a qualified inspector, and it commonly runs in the range of $75 to $200.

Where Heritage comes in: if a 4-point flags your roof — worn shingles, exposed felt, patched leaks — we repair or replace exactly what was cited, document the work with photos and permits, and give you what you need to get the home insured. Start with our roof repair service for cited defects, or roof replacement if the report shows the roof is at end of life.

What is a wind mitigation inspection?

A wind mitigation inspection documents the features of your home that resist hurricane wind, on Florida's uniform OIR-B1-1802 form. It is voluntary, usually takes under an hour, commonly runs about $75 to $150, and the completed report is generally valid for up to five years.

The inspector verifies seven categories of wind-resistant construction:

• Roof covering — whether it meets Florida Building Code product approvals, and when it was installed
• Roof deck attachment — nail type, size, and spacing holding the decking down
• Roof-to-wall connection — toe-nails versus clips or hurricane straps/wraps
• Roof geometry — hip roofs earn the largest geometry credit
• Secondary water resistance — a sealed roof deck or peel-and-stick underlayment
• Opening protection — impact-rated windows, doors, and shutters
• Building code era — homes permitted under the 2002+ Florida Building Code start ahead

How does wind mitigation lower your insurance premium?

Florida law (section 627.0629, Florida Statutes) requires insurers to give premium credits for verified wind-mitigation features. The credits apply to the windstorm portion of your premium — usually the largest piece of a Florida policy — so documented features like hurricane clips, a hip roof, or a sealed deck can produce meaningful annual savings.

Exact savings vary by carrier, home, and location, so no honest contractor will promise you a number. But the inspection often pays for itself in the first year, and the credits keep applying for the life of the report.

A reroof is the single best moment to bank these credits. When Heritage replaces a roof, the current Florida Building Code already requires upgrades that score well — code-approved coverings and stronger deck nailing — and options like peel-and-stick secondary water resistance add more. We photograph everything during construction so your wind mitigation inspector can verify features that would otherwise be hidden, and we can point you to qualified local inspectors who complete the official form.