Home Insurance Inspections in Southwest Florida

Getting or keeping home insurance in Florida usually takes paperwork from a licensed inspector. Kelting Inspections & Services completes the three inspections Florida insurers ask for most, often in a single visit, across Charlotte, Sarasota, Lee and Collier counties.

Book your insurance inspection online or call or text (941) 655-8888. Get an instant quote when you book online.

The three insurance inspections

4-point inspection

Covers the roof, electrical, plumbing and HVAC. Insurers usually require it on homes about 25 to 30 years old or older. It answers one question: are these systems in insurable condition?

Wind mitigation inspection

Documents roof shape, roof deck attachment, roof-to-wall connections, secondary water resistance and opening protection on Florida’s OIR-B1-1802 form. Insurers must give credits for these features, and the savings are often significant.

Roof certification

Reports the roof’s condition and estimated remaining life. Often requested for older roofs or at renewal.

Who needs one

Buyers: your insurance agent will need these before closing. Order them with your home inspection to save a trip.
Homeowners at renewal: if your insurer sent a letter asking for a 4-point or roof form, or you’ve never had a wind mitigation done, call us.
After a new roof or shutters: a fresh wind mitigation report can lower your premium right away.

Why Kelting

Florida licensed home inspector (HI7956), inspecting Southwest Florida homes since 2013
Reports usually delivered within 24 hours
Hundreds of five-star Google reviews
Our team includes licensed mold assessors, if your insurer or lender asks about moisture

Frequently asked questions

How long are the reports valid?
Wind mitigation reports are generally valid for 5 years if nothing changes. 4-point and roof reports are usually accepted for about a year. Your insurer sets the rule.

Do I need to be home?
Someone needs to give us access to the home and the attic. Most visits take about an hour.