How one family lost coverage after ignoring a 4-point inspection
A real-world cautionary case: the 4-point came back with three flags. They didn't act. Renewal didn't either.
Florida's home insurance market behaves differently from the rest of the country. Coverage availability, renewal logic and underwriting all depend on a handful of property characteristics — and inspection is usually near the top of the list.
In this guide we'll walk through what underwriters actually look at, what's negotiable, and which steps consistently move the needle for Florida homeowners.
Why this matters in Florida
What underwriters actually evaluate
Roof age, material and remaining useful life
Wind mitigation credits and inspection recency
4-point pass/fail status — electrical, plumbing, HVAC, roof
Open claims and prior loss history
Distance to coast and FEMA flood zone classification
FAQs
What to do next
HomeShield Editorial
The HomeShield editorial team is composed of former insurance underwriters, public adjusters and Florida homeowners writing without sponsorship from carriers or contractors.
