What Is a 4-Point Inspection in Florida—and When Will Your Insurance Company Require One?
You find an older Tampa Bay home you love.
The location is perfect.
The kitchen has been renovated.
The roof looks good.
The inspection goes well.
Then your insurance agent asks:
“Do you have a 4-point inspection?”
If you've never purchased an older Florida home before, you may have no idea what they're talking about.
Is it another home inspection?
Does the house have to pass?
Is it required by Florida law?
Can the insurance company refuse coverage because of what it finds?
And why do insurers care so much about four specific parts of the house?
A 4-point inspection in Florida focuses on four major systems that insurance companies commonly evaluate when determining whether they're willing to insure an older home:
Roof. Electrical. Plumbing. HVAC.
Unlike a traditional home inspection, which evaluates dozens of components throughout the property, a 4-point inspection is primarily an insurance underwriting tool.
It gives the insurance company a snapshot of systems that have the potential to create expensive claims.
For Tampa Bay buyers considering older homes, understanding the 4-point inspection before making an offer can help prevent insurance surprises later in the transaction.
Here's what you should know.
What Is a 4-Point Inspection?
A 4-point inspection is a limited property inspection that evaluates four major areas:
1. Roof
2. Electrical System
3. Plumbing System
4. Heating, Ventilation, and Air Conditioning System
These systems matter to insurance companies because problems involving them can potentially lead to significant property damage.
A deteriorated roof can lead to water intrusion.
Problematic electrical equipment can increase fire risk.
A leaking plumbing system can cause extensive water damage.
An aging HVAC system can create electrical, mechanical, or moisture-related concerns.
The 4-point report helps the insurer evaluate those risks before deciding whether to issue coverage.
Why Is It Called a “4-Point” Inspection?
The name is straightforward.
The inspector is focusing on four main areas of the home.
It does not mean the inspector checks only four individual things.
Within each category, there may be multiple components to evaluate.
For example, the plumbing section may include information about:
Supply piping.
Drain piping.
Water heater.
Visible leaks.
Plumbing materials.
Condition.
Likewise, the electrical section involves much more than checking whether the lights turn on.
The “four points” refer to four major systems—not four individual inspection items.
Why Do Florida Insurance Companies Request 4-Point Inspections?
Insurance companies are evaluating risk.
Older homes can contain systems that were installed decades ago and may have:
Reached the end of their useful life.
Been partially replaced.
Been repaired multiple times.
Been modified without documentation.
Become outdated compared with current construction practices.
That does not mean an older home is unsafe.
Some 1950s Tampa homes have been beautifully renovated and completely updated.
Some much newer properties may have significant maintenance problems.
The purpose of the 4-point inspection is to give the insurer more information about the home's current major systems rather than judging risk only by the year the house was built.
Is a 4-Point Inspection Required for Every Florida Home?
No.
There is no universal rule saying every Florida homebuyer must obtain a 4-point inspection.
Requirements can vary by:
Insurance company.
Age of the property.
Type of policy.
Condition of the property.
Underwriting guidelines.
Previous insurance history.
Some insurers may request one for an older home while another insurer evaluates the property differently.
Citizens Property Insurance Corporation, for example, currently requires a qualifying 4-point inspection with certain new residential insurance applications involving homes more than 20 years old.
Private insurers may use different age thresholds or underwriting standards.
So don't assume:
“My house is only 25 years old, so I definitely don't need one.”
And don't assume:
“The seller never needed one, so neither will I.”
Ask the insurance company that is actually quoting your policy.
Why Tampa Bay Buyers Should Investigate Insurance Early
One of the biggest mistakes a buyer can make is waiting until the week before closing to start shopping for homeowners insurance.
Imagine you're purchasing a home built in 1978.
You complete your regular home inspection.
Everything seems manageable.
Then your insurance company requests a 4-point inspection.
The report shows:
An aging roof.
Outdated electrical components.
Older plumbing.
Now the carrier says:
“We will not issue the policy until certain repairs are completed.”
Your closing is approaching.
Your mortgage lender requires acceptable homeowners insurance.
Suddenly an issue you could have discovered weeks earlier becomes urgent.
That's why Florida insurance should be investigated during the buying process—not at the end of it.
What Does the Roof Portion of a 4-Point Inspection Evaluate?
The roof is one of the most important parts of the report.
An insurance company may want information about:
Roof covering type.
Approximate age.
Overall condition.
Visible damage.
Leaks.
Remaining useful life.
Signs of deterioration.
Previous repairs.
Permit information when available.
Different carriers may have different underwriting requirements regarding roof condition and remaining useful life.
The key issue is often not simply:
“Does the roof currently leak?”
The insurer may also want to understand:
“How much useful life appears to remain?”
A Roof Can Be Functional and Still Create an Insurance Concern
This surprises buyers.
Suppose a home inspector says:
“The roof isn't leaking and appears functional today.”
That's useful information.
But an insurance company may view the roof differently.
If the roof is approaching the end of its expected service life, the carrier may be concerned about the probability of future claims.
That can potentially lead to:
Additional inspection requirements.
Repair requirements.
Replacement requirements.
Different coverage terms.
Difficulty obtaining a policy from that carrier.
This is why:
“The inspector said the roof is okay”
and
“The insurance company will insure the roof”
are not always identical statements.
Roof Age Is Especially Important in Florida
Florida roofs experience demanding conditions.
They face:
Strong sunlight.
Heat.
Heavy rain.
Humidity.
Tropical storms.
Hurricanes.
Wind.
The roof also represents one of the most expensive components of a home to replace.
When purchasing an older Tampa Bay property, ask:
When was the roof installed?
Was it permitted?
What material is it?
Has it been repaired?
What does the inspector estimate its condition to be?
What does the insurance company require?
Knowing the answers before closing can help you budget realistically.
What if the Seller Says the Roof Is “New”?
Verify it.
“New” can mean different things.
A seller may say:
“The roof is new.”
Then you discover it was installed eight years ago.
Or perhaps only part of it was replaced.
Or a roof coating was applied but the underlying system wasn't replaced.
Ask for:
Permit information.
Invoices.
Warranty documentation.
Installation date.
A 4-point inspector can use available evidence along with physical observations to document the roof appropriately.
What Does the Electrical Portion Evaluate?
The electrical section can be particularly important in older Florida homes.
The inspector may document things such as:
Electrical panel.
Panel manufacturer.
Amperage.
Wiring type.
Visible hazards.
Improper connections.
Electrical-system condition.
Presence of certain older wiring materials.
Evidence of repairs or upgrades.
The insurance company is particularly concerned about conditions that could increase the risk of:
Fire.
Electrical failure.
Property damage.
Older Electrical Does Not Automatically Mean Bad Electrical
A home built decades ago may have had a complete electrical renovation.
For example, the property may originally have had an older system but now contain:
Modern electrical panels.
Updated wiring.
Grounded outlets.
Improved service.
The construction year alone doesn't tell the full story.
That's one reason the 4-point inspection can be helpful.
It documents what exists today.
What Electrical Issues Can Cause Insurance Concerns?
Insurance underwriting varies, but potential concerns can include conditions such as:
Damaged wiring.
Exposed electrical components.
Improperly installed wiring.
Certain outdated electrical panels.
Older wiring types.
Unsafe modifications.
Double-tapped breakers when improper.
Evidence of overheating.
Missing covers or other hazards.
Some problems may be relatively inexpensive to correct.
Others can require substantial electrical work.
The important thing is identifying them early.
What About Aluminum Wiring?
Certain older homes may contain aluminum branch-circuit wiring.
That does not automatically mean the property cannot be purchased or insured.
However, insurers may request additional information or evidence of acceptable remediation.
For example, an insurer may require documentation that appropriate repairs or approved connections were completed by a licensed electrician.
If the 4-point report identifies aluminum wiring, involve the insurance agent and qualified electrician quickly.
Do not assume:
“The seller has insurance now, so it won't matter.”
Your prospective insurer may have different requirements.
What Does the Plumbing Portion Evaluate?
Water damage can become extremely expensive.
That's why insurers care about plumbing.
The inspector may document:
Supply piping materials.
Drain piping materials.
Water-heater information.
Approximate system age.
Visible leaks.
Signs of deterioration.
Previous repiping.
Active plumbing problems.
Different homes may contain materials installed during different construction periods.
Older Tampa Bay properties can sometimes contain a combination of original and replacement plumbing.
For example:
Part of the home may have been repiped.
Another section may still contain original piping.
That distinction matters.
Why Plumbing Material Matters
Certain piping materials have developed reputations for higher failure rates or insurance concerns.
Depending on the age and construction of the home, you may encounter piping such as:
Copper.
PEX.
PVC.
CPVC.
Cast iron.
Galvanized steel.
Polybutylene.
Different materials can create different questions.
Again, the presence of a particular material does not automatically tell you whether the entire system is failing.
But it may affect the insurer's underwriting decision.
Cast-Iron Plumbing Is Worth Investigating in Older Tampa Bay Homes
Some older Florida homes contain cast-iron drain lines.
Cast iron can last for many years, but aging systems may develop:
Corrosion.
Cracking.
Scaling.
Restricted flow.
Leaks.
Underground deterioration.
A basic 4-point inspection does not necessarily provide the same level of information as a dedicated sewer-scope inspection.
If you're buying an older home with cast-iron drain lines, consider whether additional plumbing evaluation would be appropriate.
A 4-point inspection is an insurance snapshot.
It isn't a substitute for specialized diagnostics.
Polybutylene Can Also Trigger Questions
Polybutylene piping was used in many homes during previous decades.
Some insurers may be reluctant to insure properties containing it or may impose requirements before coverage.
If the home has polybutylene plumbing, determine:
How much remains?
Has any of it been replaced?
Are there leaks?
What does the insurance carrier require?
What would repiping cost?
This is information you want during due diligence—not after moving in.
Don't Forget the Water Heater
The plumbing section may also include the water heater.
The inspector may document:
Age.
Location.
Condition.
Visible leaks.
Temperature-pressure relief components.
Signs of corrosion.
A deteriorating water heater can create substantial water damage if it fails.
That's why insurers may care about something that buyers sometimes overlook entirely.
What Does the HVAC Portion Evaluate?
The fourth major system is HVAC:
Heating, Ventilation, and Air Conditioning.
In Tampa Bay, air conditioning isn't a minor feature.
It's a major part of everyday living.
The inspector may document:
System type.
Approximate age.
Condition.
Whether the system functions.
Visible hazards.
Heating method.
Relevant installation information.
An older HVAC system doesn't automatically make a home uninsurable.
But poor condition or unsafe equipment may create underwriting concerns.
Why Would an Insurance Company Care About the Air Conditioner?
At first, this may seem strange.
If your air conditioner stops cooling, that's unpleasant—but why does the insurance company care?
Because HVAC systems can involve:
Electrical components.
Drainage.
Moisture.
Heating elements.
Combustion in certain systems.
Improperly maintained equipment can potentially contribute to water damage, electrical problems, fire hazards, or other losses.
The insurer isn't simply interested in whether the house feels cold.
They're evaluating risk.
Does a 4-Point Inspection Tell You How Long the HVAC Will Last?
Not necessarily.
The inspector may document the system's age and visible condition.
But predicting exactly when an air conditioner will fail is impossible.
A 12-year-old system could operate for several more years.
A much newer unit could unexpectedly fail.
Use the 4-point information as part of your overall evaluation.
Your full home inspection and, when needed, an HVAC contractor can provide additional information.
Does a House Pass or Fail a 4-Point Inspection?
Not exactly.
A 4-point inspector documents the property's systems.
The inspector generally does not make the final insurance decision.
The insurance company reviews the report and determines whether the property satisfies its underwriting requirements.
Think of the process like this:
Inspector:
“Here is what exists and what condition I observed.”
Insurance Company:
“Based on that information, here is whether we will insure the property and under what terms.”
That's an important distinction.
The Insurance Company May Request Repairs
Sometimes the insurer will review the report and say:
Coverage is available after specific conditions are corrected.
For example, the carrier may request repair or replacement involving:
Electrical hazards.
Active plumbing leaks.
Roof defects.
Water-heater issues.
Other documented concerns.
The buyer and seller can then determine how those items will be addressed within the real estate transaction.
Depending on the contract and circumstances, possible approaches might include:
Seller completes repairs.
Buyer completes repairs when permitted.
Purchase price is renegotiated.
Another insurer is considered.
The transaction is reconsidered.
Your Realtor, insurance professional, lender, and appropriate contractors may all become involved.
Insurance Requirements Can Affect Your Mortgage
If you're buying with mortgage financing, your lender will generally require acceptable property insurance before closing.
This creates an important chain:
Property condition
affects
Insurance eligibility
which can affect
Mortgage closing.
That means an insurance problem isn't necessarily separate from your real estate transaction.
If you can't obtain an acceptable policy, the lender may not be willing to fund the loan.
This is why insurance-related inspections deserve attention.
How Is a 4-Point Inspection Different From a Full Home Inspection?
This distinction is critical.
A 4-point inspection is narrow.
A traditional home inspection is broad.
Your full home inspector may evaluate:
Foundation.
Structure.
Interior.
Exterior.
Roof.
Attic.
Windows.
Doors.
Appliances.
Electrical.
Plumbing.
HVAC.
Moisture.
Drainage.
Safety conditions.
And many other components.
The 4-point inspection focuses primarily on:
Roof. Electrical. Plumbing. HVAC.
You should not think:
“I'm getting a 4-point, so I don't need a regular inspection.”
They serve different purposes.
The Full Home Inspection Protects Your Buying Decision
A full home inspection is primarily about helping you understand the property's condition.
The 4-point inspection is largely about helping the insurance company understand risk.
That difference matters.
Your insurer may be perfectly comfortable with a property while your full inspection identifies:
Termite damage.
Broken appliances.
Drainage problems.
Damaged windows.
Foundation concerns.
Pool equipment issues.
Unsafe railings.
None of those may be central to the 4-point report.
You still want to know about them.
How Is a 4-Point Inspection Different From Wind Mitigation?
Florida buyers frequently confuse these two.
Both may be requested around the same time.
But they serve very different purposes.
4-Point Inspection
Evaluates the condition of:
Roof.
Electrical.
Plumbing.
HVAC.
Its primary purpose is helping the insurer determine whether the home meets underwriting requirements.
Wind Mitigation Inspection
Documents construction features that may help the property resist hurricane and wind damage.
Examples include:
Roof-to-wall connections.
Roof shape.
Roof-deck attachment.
Opening protection.
Secondary water resistance.
Its findings can potentially qualify the homeowner for wind-related insurance credits.
A Tampa Bay buyer purchasing an older home may end up obtaining:
Full home inspection + 4-point inspection + wind mitigation inspection.
That isn't necessarily redundant.
Each provides different information.
Can the Same Inspector Perform All Three?
Potentially, yes.
Many qualified Florida home inspectors offer packages that include:
Full home inspection.
4-point inspection.
Wind mitigation inspection.
That can be convenient because the inspector is already at the property.
But verify that the individual is appropriately licensed or qualified for the specific reports being completed and that your insurance carrier will accept their documentation.
How Recent Does the Inspection Need to Be?
This depends on the insurance company.
Do not assume an old report will automatically be accepted.
For example, Citizens currently requires its qualifying 4-point inspection report for new-business submissions to be dated within the previous 12 months.
Another carrier may have different requirements.
If the seller gives you a 4-point inspection from several years ago, send it to your insurance agent and ask:
“Can you use this?”
If not, you'll need a current report.
Should You Ask Whether the Seller Already Has a 4-Point Inspection?
Yes.
It costs nothing to ask.
The seller may have obtained one recently for:
Insurance renewal.
A previous attempted sale.
Refinancing-related insurance.
Another underwriting reason.
If a current report exists, request a copy and send it to your insurance professional.
Even if your carrier ultimately requests a new one, the existing report may still provide useful information about previous system conditions.
Don't Assume the Seller's Insurance Company Has the Same Requirements
This is extremely important.
The seller may say:
“I've insured this house for 20 years without any problem.”
That does not guarantee you will receive the same insurance terms.
The seller may:
Have a different carrier.
Have an older policy.
Have different coverage.
Have different underwriting treatment.
Have completed repairs you don't know about.
Your carrier evaluates your application under its current underwriting guidelines.
Obtain your own quote.
Why an Older Home Can Still Be an Excellent Purchase
None of this means you should avoid older Tampa Bay homes.
Older properties can offer:
Established neighborhoods.
Larger lots.
Mature landscaping.
Unique architecture.
Central locations.
Construction quality.
Character that newer subdivisions may not replicate.
The important question isn't simply:
“How old is the house?”
It's:
“How well have its major systems been maintained and updated?”
A 1965 home with a newer roof, modern electrical system, updated plumbing, and recent HVAC may present a very different insurance picture from a neglected property built decades later.
Renovated Does Not Necessarily Mean Updated
This is worth emphasizing.
A house can look completely renovated because it has:
New floors.
White cabinets.
Quartz countertops.
Fresh paint.
Modern light fixtures.
Beautiful bathrooms.
But behind those finishes, it may still have:
Old wiring.
Aging plumbing.
Old electrical panels.
Old drain lines.
A roof near the end of its useful life.
Cosmetic renovation does not automatically mean the major systems were updated.
When buying an older Florida home, look behind the finishes.
Ask What Was Actually Replaced
If the listing says:
“Completely renovated!”
ask for details.
Did they replace:
The roof?
Electrical panel?
Wiring?
Supply plumbing?
Drain lines?
Water heater?
HVAC?
Or did they primarily update:
Flooring?
Paint?
Cabinets?
Countertops?
Fixtures?
Both types of renovation can add value.
But they mean very different things to an insurance underwriter.
A Tampa Bay Example
Suppose you're purchasing a 1972 Tampa home for:
$475,000.
It looks fantastic.
The seller renovated the kitchen and bathrooms.
Your full home inspection identifies mostly minor issues.
Then your insurer requests a 4-point inspection.
The report shows:
Roof
Older but currently functional.
Electrical
Older panel with an underwriting concern.
Plumbing
Partially updated, but some older piping remains.
HVAC
Recently replaced.
Now you know where to focus.
You might:
Ask an electrician for an estimate.
Investigate repiping costs.
Ask whether another carrier views the systems differently.
Negotiate applicable issues with the seller.
Reassess the total cost of the home.
That's much better than discovering the same information days before closing.
What Are Common 4-Point Problems in Older Florida Homes?
Every property is different, but buyers may encounter issues involving aging roofs, limited roof life, active leaks, certain electrical panels or wiring, unprofessional electrical modifications, old plumbing materials, visible leaks, aging water heaters, older HVAC systems, or repairs that were never fully completed.
The presence of one issue doesn't necessarily destroy the transaction.
What matters is:
Can it be corrected?
How much will it cost?
How quickly can it be completed?
Will the insurance company accept the repair?
Those are practical questions your team can help answer.
Get Repair Documentation
If the seller corrects something required by your insurer, keep documentation.
Depending on the repair, that might include:
Licensed contractor invoice.
Electrical certification.
Plumbing invoice.
Roofing documentation.
Permit.
Photographs.
Final inspection.
The insurance carrier may require evidence that the problem identified in the 4-point report was properly resolved.
Don't simply tell the insurer:
“The seller said they fixed it.”
Ask what documentation they need.
Insurance Shopping Can Change the Outcome
One insurance company's underwriting decision isn't necessarily the final word on the property.
Different carriers can have different:
Eligibility standards.
Pricing.
Inspection requirements.
Roof criteria.
System requirements.
That doesn't mean you should hide problems from another carrier.
The property information needs to be disclosed accurately.
But an experienced Florida insurance professional may be able to help you understand available options.
When you're purchasing an older Tampa Bay home, having an insurance professional involved early can be extremely valuable.
Don't Shop Only by Premium
Suppose:
Carrier A
Premium: $3,000/year
Carrier B
Premium: $3,500/year
Carrier A looks better immediately.
But compare:
Coverage.
Deductibles.
Hurricane deductible.
Water limitations.
Roof coverage.
Exclusions.
Liability limits.
Additional endorsements.
A cheaper policy isn't necessarily a better policy.
Understand what you're buying.
Does a Good 4-Point Inspection Lower Your Insurance?
Not in the same direct way a wind mitigation inspection may generate qualifying wind credits.
The primary purpose of a 4-point inspection is underwriting.
A good report can help demonstrate that the property has acceptable major systems.
That may help you qualify for coverage.
But don't think of it as:
“I passed the 4-point, so I get a 20% discount.”
That's not how it generally works.
Wind mitigation is the inspection more directly associated with specific hurricane-mitigation credits.
When Should You Order the 4-Point Inspection?
If the insurance agent says one will be required, it's often efficient to coordinate it with your regular home inspection.
That can help you learn early:
Whether the property satisfies the prospective carrier's requirements.
Whether repairs may be necessary.
Whether you need additional contractor estimates.
Whether insurance affordability changes your decision.
Waiting until the inspection period is over can reduce your options.
What Should Tampa Bay Buyers Ask Their Insurance Agent?
Before or shortly after making an offer on an older home, ask:
Will this property require a 4-point inspection?
How recent must the report be?
Who is allowed to complete it?
Do you have a preferred form?
Are there specific roof requirements?
Are there electrical systems you will not accept?
Are certain plumbing materials an issue?
Do you require repairs before binding coverage?
Should I also obtain wind mitigation?
What documentation will you need after repairs?
These questions can save significant time later.
A Practical Older-Home Insurance Strategy
When purchasing an older Tampa Bay home, try to coordinate the real estate and insurance investigations.
First, determine whether your prospective insurance carrier is likely to require a 4-point inspection.
Then complete the inspection while you're still within applicable due-diligence periods whenever possible.
Send the report to the insurance professional immediately.
If concerns appear, obtain repair estimates.
Determine whether the seller will address them.
Then obtain a realistic insurance quote based on the home's actual condition.
That process gives you a clearer picture of what owning the property will really cost.
Red Flags Should Trigger Questions—not Automatic Panic
Suppose the report identifies:
An older electrical panel.
That doesn't automatically mean:
Don't buy the house.
Find out:
Is replacement necessary?
How much does it cost?
Will the seller replace it?
Will the insurer accept documentation afterward?
Likewise, an aging water heater might be inexpensive relative to the overall purchase.
The purpose of inspection is not to find a perfect house.
Perfect houses don't exist.
The purpose is to identify problems while you still have the ability to make informed decisions.
The Most Important Question Is Often “Can I Insure This Home?”
In Florida, insurance can affect the entire purchase.
You can love:
The neighborhood.
The architecture.
The backyard.
The kitchen.
But if obtaining acceptable insurance requires:
A new roof.
Electrical replacement.
Repiping.
Other major work.
you need to understand that financial reality before closing.
The 4-point inspection helps uncover some of those insurance-related issues early.
A 4-Point Inspection Is Not a Substitute for Due Diligence
Remember what this report is designed to do.
It gives an insurance company information about four major systems.
It does not necessarily evaluate:
Foundation.
Termites.
Pool.
Drainage.
Appliances.
Windows.
Doors.
Septic.
Sewer lines.
Attic insulation.
Every structural component.
Every possible safety condition.
That is why buyers should not use a 4-point report as their only inspection.
The Bottom Line
A 4-point inspection in Florida is primarily an insurance underwriting inspection focused on four major home systems:
Roof.
Electrical.
Plumbing.
HVAC.
Insurance companies commonly request these reports for older properties because those four systems can represent significant claim risk.
But requirements vary by insurer.
There isn't one universal age at which every Florida insurance company requires the same inspection.
For Tampa Bay buyers, the smartest approach is to ask your insurance professional early:
“Will this house require a 4-point inspection?”
If it does, complete it early enough to understand the results before you're approaching closing.
And remember:
A 4-point inspection isn't the same as a full home inspection.
It isn't the same as wind mitigation.
And it isn't simply a pass-or-fail test.
It is information your insurance company uses to decide:
Whether they are comfortable insuring the home's major systems.
For buyers considering an older Tampa Bay home, that information can be just as important as the kitchen renovation you can see during the showing.
Thinking About Buying an Older Home in Tampa Bay?
Older Tampa Bay homes can offer incredible character, larger lots, established neighborhoods, and locations that are difficult to recreate with new construction.
But they can also require additional due diligence—especially when it comes to roofing, plumbing, electrical systems, HVAC, and homeowners insurance.
Fernanda Stucken can help you navigate the Tampa Bay buying process, coordinate the right inspections, identify questions to ask before making an offer, and help you evaluate the complete property—not just what you see during the showing.
Whether you're looking in Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Wesley Chapel, or elsewhere throughout Tampa Bay, the goal is to understand both the home's potential and the costs that may come with owning it.
Thinking about buying an older home in Tampa Bay? Contact Fernanda Stucken today and let her help you move forward with the information and guidance you need before you make your next move.
This article is for general educational purposes and is not insurance, legal, electrical, plumbing, roofing, HVAC, engineering, or financial advice. Insurance eligibility, inspection requirements, acceptable building components, roof criteria, and underwriting standards vary by insurance company and property. Buyers should obtain property-specific guidance from qualified Florida inspectors, insurance professionals, contractors, lenders, and other appropriate professionals.
