Roof Inspection Miami — 4-Point & Wind Mitigation Reports
Florida-licensed roof inspection in Miami-Dade. We produce 4-point reports on the OIR-B1-1802 form accepted by Citizens Property Insurance and all private carriers, wind mitigation reports that can cut your premiums 20–40%, and pre-purchase inspections that protect buyers at closing.
Roof Inspection Services in Miami-Dade
Miami-Dade homeowners need roof inspections for insurance compliance, policy renewals, real estate transactions, and routine maintenance. We perform all four types — and when the inspection reveals damage, our crews handle repairs after inspection without requiring a second appointment.
4-Point Inspection
Required by most Florida insurers for homes over 10–15 years old. Documents the roof, electrical, HVAC, and plumbing. Uses the OIR-B1-1802 form accepted by Citizens Property Insurance and all major private carriers.
Wind Mitigation Inspection
Identifies roof features that qualify for Florida insurance discounts — hip roof credits, roof deck attachment rating, secondary water resistance (SWR), and opening protection. Can reduce wind coverage premiums 20–40%.
Pre-Purchase Roof Inspection
A buyer-focused condition report that documents age, remaining life, material type, visible defects, and repair priorities — so you negotiate from facts, not guesswork, before closing on a Miami-Dade property.
Insurance Renewal Inspection
When your insurer requests evidence of roof condition before renewing your policy, we provide a signed, licensed-inspector report meeting Florida Department of Financial Services standards.
What Is a 4-Point Inspection?
A 4-point inspection is a limited-scope property report required by most Florida homeowner's insurance carriers before writing or renewing a policy on a home that is typically 10–15 years old or older. The inspection covers exactly four systems: roof, electrical, HVAC, and plumbing.
For the roofing component, the inspector documents the roofing material (asphalt shingle, tile, metal, flat membrane), the age and estimated remaining useful life, the visible condition, and any observed damage or deficiencies. The standard form used in Florida is the OIR-B1-1802, accepted by Citizens Property Insurance and all major private carriers doing business in the state.
Why insurers require 4-point inspections
Florida's 2023 insurance reform legislation tightened underwriting standards. Carriers now routinely require a 4-point before issuing or renewing coverage on homes over 15 years old — and a roof that has already exceeded its rated lifespan can trigger a non-renewal notice. A passing 4-point inspection is one of the most effective ways to keep your policy active and your premium stable.
If the 4-point reveals issues that need attention, we can move directly to repairs after inspection — or assess whether replacement is needed before your insurer cancels coverage.
Wind Mitigation Inspection for Insurance Discounts
Florida law (§627.0629, F.S.) requires insurers to offer premium credits for homes with documented wind-resistant features. A wind mitigation inspection — performed by a Florida-licensed inspector — produces a report that your insurance agent submits directly to your carrier to unlock those discounts.
The inspection evaluates six roof attributes:
- Roof Shape: Hip roofs (all four sides slope down to the walls) earn the largest hip roof credit because they redirect wind load. Homes with 90%+ hip roofing qualify for the maximum discount.
- Roof Deck Attachment: The inspector examines attic sheathing to determine nail type (8d vs. 6d), nail spacing, and the resulting wind uplift rating — from basic to enhanced.
- Roof-to-Wall Connection: How the roof structure is attached to exterior walls — toe nails, clips, single wraps, double wraps, or structural anchors — drives a significant portion of the premium discount.
- Secondary Water Resistance (SWR): A sealed underlayment layer (peel-and-stick or equivalent) that keeps water out if the primary surface is lost in a hurricane. Florida Building Code 2007+ requires SWR on new construction.
- Roof Covering: The roofing material and the Miami-Dade Product Approval or Florida Building Code product approval number for that material.
- Opening Protection: Impact-rated windows, doors, and garage doors that protect against wind-borne debris — evaluated alongside the roof for the full wind mitigation credit package.
Typical savings from a wind mitigation report
Miami-Dade homeowners with a hip roof, proper deck attachment, and a secondary water resistance barrier commonly see 20–40% reductions on the wind portion of their premium with Citizens Property Insurance and major private carriers. The inspection pays for itself within the first year in most cases.
Pre-Purchase Roof Inspection
Buying a home in Miami-Dade? A pre-purchase roof inspection by a licensed roofing contractor gives you a detailed condition report beyond what a general home inspector typically provides. We document material type, estimated remaining life, current deficiencies, and projected repair costs — so you can negotiate from facts or walk away before closing.
In Miami's insurance market, knowing the roof's age and condition before you close is especially critical. A roof that fails the insurer's 4-point threshold can make a property uninsurable at standard rates — a detail that can kill a deal or cost tens of thousands in unexpected replacement costs. Our pre-purchase inspection includes the information your real estate attorney and title company need.
For 4-point inspections in Kendall and throughout Miami-Dade, we schedule same-week appointments so you stay within your inspection contingency window.
If the inspection reveals significant wear or hidden damage and the seller agrees to repairs, our crews can step in immediately. If the scope warrants a full roof replacement, we provide the written scope and cost estimate you need for contract negotiations.
What We Look For During an Inspection
Every inspection covers the full roofing system — not just the shingles or tiles visible from the ground. Our licensed inspector follows a structured checklist aligned with Florida Department of Financial Services guidelines and Miami-Dade building code requirements.
- Roofing material type, age, and estimated remaining service life
- Roof deck attachment — nail spacing, nail size, and fastener pattern
- Secondary water resistance (SWR) barrier under the primary surface
- Hip vs. gable roof shape and percentage of hip roof coverage
- Flashing condition at all penetrations — vents, pipes, skylights, valleys
- Ridge cap, ridge vent, and ridge-to-wall connection integrity
- Visible granule loss, cracking, blistering, or lifting
- Soffit, fascia, and drip edge for wind-uplift vulnerability
- Attic sheathing for water staining, mold, or structural damage signs
- Photos of all findings for your insurance or real estate file
Book a Roof Inspection — Text Us Today
We schedule inspections across all of Miami-Dade. Reports delivered within 24 hours. Flat-fee pricing — no hidden add-ons.
Roof Inspection FAQs — Miami
- How much does a roof inspection cost in Miami?
- Professional roof inspections in Miami-Dade typically cost $200–$450 for residential homes. Price depends on roof size, complexity, and report type (4-point for insurance, full condition report for real estate, or general assessment). Text us for exact pricing on your home — same-week availability.
- What does a roof inspection include in Florida?
- A thorough inspection covers the full roof surface, flashings at all edges and penetrations (vents, pipes, skylights), gutters and drainage, soffits and fascia, attic ventilation, and signs of active leaks or water intrusion. We photograph every component and include all findings in a written report.
- How often should I get a roof inspection in Miami?
- Twice yearly: once in April or May before hurricane season and once in November after it ends. Also inspect after any named storm, before listing your home for sale, and whenever your insurer requests 4-point documentation. Miami's climate accelerates roof wear faster than most U.S. markets.
- Do I need a roof inspection when buying a home in Miami?
- Yes — get an independent roof inspection beyond what the general home inspector provides. General inspectors often miss hidden uplift damage, improper tile attachment, and failing underlayment beneath intact-looking tiles. A dedicated inspection gives accurate condition data before closing and negotiating power if repairs are needed.
- What is a 4-point inspection and does my Florida insurer require it?
- A 4-point inspection evaluates four home systems: roof, electrical, plumbing, and HVAC. Florida insurers routinely require one for homes over 25 years old before issuing or renewing a policy. The roof section documents material type, age, and condition. We provide 4-point reports formatted for insurer submission.
- Can a roof inspection help after hurricane damage in Miami?
- Yes — a post-storm inspection is essential after any named hurricane. Wind damage can be subtle: tiles shift without falling, shingles lift and reseal, and underlayment can be compromised with no visible exterior signs. A professional inspection documents full damage extent for your insurance claim.
Why Miami Homeowners Trust Roofing Miami for Inspections
Roof Inspections Throughout Miami-Dade County
We schedule roof inspections across all of Miami-Dade. Frequently served neighborhoods:
Book a Roof Inspection in Miami Today
4-point reports, wind mitigation inspections, and pre-purchase condition reports for Miami-Dade homeowners. Reports delivered within 24 hours. Florida-licensed inspector.