Home Insurance Inspections

Insurance Inspections

By Matthew Rosenblatt
• 3 articles

What happens during a 4-Point Inspection?

4-Point inspections are fairly rudimentary and non-invasive. - We will inspect and photograph your roof - We will need physical access to all breaker panels around your home - We will need physical access to your water heater - We will need physical access to your air conditioner systems - We will need to be able to access and clearly visualize the underside of every sink - We will need to be able to access the entire exterior of the property Upon arrival, we'll use a drone to photograph your roof. Depending on the age and condition of the roof, we may also walk the roof. Next, we walk the exterior of the property. We photograph all exterior walls. If we're also performing a wind mitigation, we'll also photograph all doors and windows. While we walk the exterior of the home, we will photograph, open, and inspect all electrical panels on the outside of your home. We will photograph the main water shutoff valve and your air conditioning systems as well. Now we head inside. We generally start within the garage. We will inspect your breaker panel, water heater, and air conditioning systems. We will then move to your laundry room and inspect the washing machine as well as the water connections for the washing machine. Lastly, we'll go to the kitchen and bathrooms. In the kitchen we'll photograph the top and bottom of the sink, the dishwasher, and fridge. In the bathrooms, we will photograph the top and bottom of the sinks, the toilet, the toilets water connection, and any tubs/showers you may have. If there are any unsatisfactory marks on the report, in most instances they will need to be corrected before an insurance policy will be bound. You will be notified at the time of the visit if anything needs to be corrected. Click here to watch a short video about how 4-Point Inspections Work

Last updated on Aug 01, 2025

What happens during a Wind Mitigation inspection?

A wind mitigation inspection is not a conditional or “pass/fail” inspection. Instead, it’s a fact-finding process. The goal is to collect specific information about how your home is built and how it may perform in high wind conditions — primarily for insurance purposes. This information is used to complete a standardized form that insurance companies use to calculate potential discounts on your homeowner’s policy. What we'll be inspecting During the inspection, we’ll document several key features of your home’s construction: - Roof – We’ll inspect and photograph the exterior of your roof. - Exterior openings – This includes windows, doors, skylights, and garage doors. - Impact protection – If you have impact-rated windows, doors, or shutters, we’ll photograph their labels, etchings, or rating documentation. If labels are missing, we can sometimes verify ratings using manufacturer paperwork. - Attic access – We’ll need access to your attic. Ideally, this is through a hatch in the garage. We typically don’t need to go far in — just far enough to inspect structural connections. What we're looking for: - Roof deck attachment – What type and size of nails are used, and how many nails secure each panel? - Roof deck material – Type and thickness of the sheathing. - Roof underlayment – The kind of barrier installed under your shingles or tiles. - Roof-to-wall connections – How the trusses or rafters are attached to the walls (e.g., toenails, hurricane clips, single or double wraps). - Garage door rating – Whether your garage door is rated for wind or impact resistance. - Opening protection – Impact ratings for windows, doors, and skylights.

Last updated on Aug 01, 2025