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What inspections are required by Insurance carriers in Naples, and Collier and Lee counties

April 28, 20232 min read

The specific type of inspections required by insurance companies in Florida to insure a house can vary depending on the insurer, the property and the location of the property within the state. Some common types of inspections that may be required or recommended include:

1. Wind Mitigation Inspection: This inspection assesses the ability of a home to withstand high winds, and can help homeowners qualify for discounts on their insurance premiums.

2. Four Point Inspection: This inspection focuses on the four main components of a home: the roof, electrical system, plumbing system, and HVAC system. It is often required for homes that are more than 30 years old.

3. Roof Inspection: This inspection assesses the condition of a home's roof and can help identify any potential issues or damage.

4. Mold Inspection: This inspection checks for any signs of mold growth, which can be a health hazard and can also cause damage to the home.

5. Home Inspection: A comprehensive home inspection can identify any major or minor issues with the home, including structural issues, electrical problems, plumbing issues, and more.

It's important to note that insurance companies may have specific requirements or recommendations for inspections based on the type and age of the property, the location, and other factors. Homeowners should consult with their insurance company to determine which inspections are required or recommended for their specific property.


If you are buying a home or you already own your home Jurney Home Inspections can perform any inspection your insurance company may require you to have. When buying a home make sure you consult with your insurance agent to determine what type of insurance you need and what type of inspections may be required in order for you to obtain that insurance.

If you are getting a mortgage, the mortgage company may require that you obtain certain types of insurance coverage as a condition of getting a mortgage. Mortgage companies always require that you obtain hurricane insurance. You cannot get hurricane insurance unless you have a Wind Mitigation Inspection performed. Frequently, home buyers are excepting to close on their new home only to find out that they cannot close because they don't have hurricane insurance which cannot be obtained without first having a Wind Mitigation Inspection completed.

Make sure you listen to your real estate agent, insurance agent and home Inspector when they tell you what you need in order to have a smooth closing on you home.

Hurricane insurance requirementsWind Mitigation InspectionsThings needed at real estate closingsHome Inspection servicesInsurance inspections
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