Insurance InspectionsThe documentation your carrier actually requires.
When a Florida carrier asks for a wind mitigation, 4-point, or roof certification, it wants specific forms, specific photos, and a licensed signature. Lunar completes all of it — on the official forms, typically delivered within 24 hours, ready to forward to your agent.
What insurance inspections are — and why carriers ask.
An insurance inspection is not a home inspection. It's underwriting documentation: a short, standardized evaluation recorded on the exact forms Florida carriers use to price, bind, or renew a policy.
When carriers ask
Buying or insuring an older home, seeking windstorm credits, binding a policy on an aging roof, or switching carriers — each triggers a specific form request.
What they want
Not opinions — documentation. The correct statewide form, photo evidence for each finding, and the signature of a licensed Florida inspector.
What you receive
A signed digital PDF, typically within 24 hours, formatted so your agent or underwriter can process it in one pass — forwarded directly to them on request.
Three insurance inspections. One visit if you want.
Wind Mitigation
Documents the seven hurricane-resistance features on the OIR-B1-1802 form — the basis for windstorm premium credits under Florida law.
Full details4-Point Inspection
Roof, electrical, plumbing, and HVAC condition in the format underwriters require — standard for homes 20+ years old.
Full detailsRoof Certification
Documented roof condition and remaining useful life — often the difference between binding a policy and a declination.
Full detailsCarrier letter in hand?
Read it to us — we'll name the exact form, confirm the scope, and book the visit in one call.
One visit. Every form. One package.
Most carrier requests come in pairs — a 4-point with a wind mitigation, a roof certification alongside both. Booking them separately means multiple appointments and mismatched paperwork dates.
The Insurance Inspection Bundle completes every requested form in a single on-site visit and delivers them as one coordinated, insurer-ready package — same photos, same date, same signature, no gaps for an underwriter to question.
- Wind Mitigation — OIR-B1-1802 with photo pack
- 4-Point — roof, electrical, plumbing, HVAC
- Roof Certification — condition & useful life
- Delivered together, within 24 hours, agent-ready
Insurance inspections across Northeast Florida.
Coastal Nassau and the beaches carry the region's highest wind exposure — and its largest credit opportunities. We cover all five counties:
Counties served: Nassau · Duval · St. Johns · Clay · Baker · All areas →
Insurance inspections, answered.
An insurance inspection is a focused evaluation your property insurance carrier uses to underwrite or price a policy. Unlike a full home inspection, it covers only what the carrier needs — hurricane-resistance features (wind mitigation), the four major systems (4-point), or roof condition (roof certification) — recorded on the specific forms Florida carriers require.
Most commonly when you buy or insure an older home (4-point), when you want windstorm premium credits (wind mitigation), when a policy is being bound or renewed on an aging roof (roof certification), or when you change carriers and the new underwriter wants current documentation.
A home inspection answers your questions about the whole property. An insurance inspection answers your carrier's questions in your carrier's format. A home inspection report cannot be submitted in place of an OIR-B1-1802 or 4-point form — carriers require the specific documents.
Your report is delivered as a signed digital PDF, typically within 24 hours. Most clients simply forward it to their agent; on request we send it directly to your agent or carrier so nothing stalls in your inbox.
Yes — that's the Insurance Inspection Bundle. Wind mitigation, 4-point, and roof certification completed in a single appointment with one coordinated, insurer-ready report package.
Florida law (§627.711) requires carriers to apply premium credits for documented wind-resistant construction features. The size of any credit depends on your home's features, your carrier, and your policy — we document what qualifies; your carrier applies the rates.
Get the forms your carrier is waiting on.
Book today and your signed, insurer-ready documentation is typically delivered within 24 hours as the visit.