"The Florida-specific reports your insurance carrier needs to write, renew, or discount your policy — Four Point, Wind Mitigation, and Roof Certification, bundled to save you money."
In Florida, your homeowner's insurance company often requires specific inspections before they'll write, renew, or discount your policy. The most common are the Four Point Inspection, the Wind Mitigation Inspection, and the Roof Certification — each one giving your carrier documented assurance about a different aspect of your home's condition and risk.
Turner Home Inspection Services performs all of them, and the smart move is to bundle. If you're already scheduling a general home inspection, your insurance inspections can be added at a significantly reduced rate — and everything gets done in a single visit. It's the most efficient, cost-effective way to satisfy your insurer and protect your investment at the same time.
Joseph Turner, FL Licensed HI 1081, provides insurance inspections across Clearwater, Dunedin, East Lake, Largo, Palm Harbor, Pinellas Park, Safety Harbor, St. Petersburg, Tampa, and Tarpon Springs — delivering clear, photo-documented, carrier-ready reports quickly, so you can secure your coverage and your savings without delay.
Scheduling your insurance inspections separately means multiple appointments and multiple fees. Bundling them — especially alongside a general home inspection — means one visit, one trusted inspector, and a reduced add-on rate on each insurance inspection. You satisfy your carrier's requirements, capture every available discount, and save both time and money in the process.
See our pricing page for current rates — including add-on pricing and bundle options.
Different carriers ask for different reports. Here are the insurance inspections Turner provides — individually or bundled to save.
A focused look at the roof, electrical, plumbing, and HVAC — the report most Florida carriers require to write or renew a policy on an older home. Learn more →
Documents your home's wind-resistant features on the official OIR-B1-1802 form so you can qualify for substantial insurance discounts. Learn more →
A focused evaluation of the roof's condition and estimated remaining life — commonly required by carriers and lenders before they'll write a policy or close a sale.
Once you've repaired an item flagged on a prior report, a reinspection of the repaired systems only confirms the fix for your carrier — quick and affordable.
Need more than one? Bundle any two insurance inspections for a combined rate — the most popular choice for homeowners covering all their bases at once.
Already scheduling a general home inspection? Add any insurance inspection at a reduced add-on rate — done in the same visit. See the pricing page.
If your carrier has asked for documentation — or you're shopping for better coverage — one or more of these inspections is likely required. Here's who most often needs them.
Get your insurance inspections done during your purchase inspection so your coverage is set up correctly — and discounted — from day one.
Carriers increasingly require current inspections at renewal. A fresh set of reports keeps your existing coverage in force and your premium accurate.
Switching insurers or hunting a better rate? A new carrier will want current insurance inspections before they'll quote your home.
A wind mitigation report alone can save hundreds to over a thousand dollars a year. Bundling your insurance inspections captures every credit you've earned.
Made repairs or put on a new roof? A reinspection or fresh report documents the work so your carrier reflects it — and you stop overpaying.
Current insurance reports on file reassure buyers about coverage and cost — removing a common hurdle and helping your sale close smoothly.
Joseph keeps insurance inspections fast and simple — bundle what you need into one visit and have carrier-ready reports in hand quickly, typically within 24 hours.
Call or text 727-580-9674 and tell us which reports your carrier needs. We'll recommend the right bundle and lock in a time.
Joseph performs all your insurance inspections in a single visit — photo-documenting each one to your carrier's standards.
You receive completed, signed, carrier-ready reports with full photo documentation — typically within 24 hours.
Forward the reports to your insurance agent to write, renew, or discount your policy — and lock in your savings.
Real reviews from Tampa Bay-area homeowners who have trusted Turner Home Inspection Services for their insurance inspections.
"Joseph did our four point and wind mitigation together in one visit for our insurance renewal. The bundle saved us money and both reports were accepted by our carrier with no issues. The wind mit alone cut our premium significantly. Outstanding."
— David T.
St. Petersburg, FL
"Joseph was on time, professional, and explained exactly which insurance inspections our older Clearwater home needed. He bundled them with our home inspection and saved us money. That guidance meant everything as first-time buyers. Highly recommend."
— Megan R.
Clearwater, FL
"You can tell Joseph takes pride in his work. All our insurance reports were thorough and the photos were a huge help when our agent had questions. Having everything done in one visit was exactly what we needed. A true professional."
— Sandra L.
Palm Harbor, FL
Answers to the most common questions Florida homeowners ask about insurance inspections.
It depends on your home and your carrier. Older homes usually need a four point; nearly every Florida homeowner benefits from a wind mitigation for the discount; and some carriers or lenders ask for a roof certification. Call 727-580-9674 and Joseph will help you figure out exactly what your carrier requires.
Yes — and it's the smart move. You can bundle any two insurance inspections for a combined rate, or add any insurance inspection to a general home inspection at a reduced add-on rate. Everything's handled in one visit. See the pricing page for current rates.
For most Tampa Bay homeowners, a wind mitigation report saves hundreds to over a thousand dollars per year on insurance — and the discount is locked in for five years. For many homeowners, the savings far outweigh the cost of all their insurance inspections combined.
If a prior inspection flagged an item and you've since repaired it, a reinspection of the repaired systems only confirms the fix for your insurance company. It's a quick, affordable way to satisfy a carrier's condition without a full re-inspection of the whole home.
Insurance inspections are time-sensitive, and Joseph treats them that way. Completed, signed, photo-documented reports are typically delivered within 24 hours — and prioritized if you're up against a renewal or closing deadline.
Yes. Joseph is a State of Florida Licensed Home Inspector (FL License HI 1081), and his reports — including the official OIR-B1-1802 wind mitigation form — are the documents Florida insurers require and accept, complete with photo documentation, his license number, and signature.
Insurance inspections available throughout the Tampa Bay area. Click any city below to learn more about our inspection services in your area.
Call today • FL Licensed HI 1081 • InterNACHI® Certified • Veteran-Owned • Serving All of Tampa Bay