Storm Season Insurance Inspections – 4-Point & Wind Mit

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   Hurricane season officially started June 1st — and Florida insurance companies are already bracing for impact. The Florida Department of Financial Services urges residents to prepare early by reviewing their insurance coverage, securing flood insurance, and getting required inspections done before a storm is on the radar.

Once a named storm is approaching, most insurance companies stop accepting new applications or policy changes. That’s why it’s critical to act early — before a storm forms.

If your home is 20+ years old, your insurer will likely require a 4-point inspection covering roof, electrical, plumbing, and HVAC systems.
We deliver fast, carrier-ready reports that meet Citizens Insurance and other carrier standards.

If your roof has hurricane clips, straps, or nail spacing upgrades, you might qualify for significant insurance discounts — but most homeowners don’t realize it.
We inspect and document those features to help you save.

Some carriers require a Roof Certification if your roof is 15+ years old.
We perform licensed roof inspections and provide the documentation your carrier needs to keep your policy active.

• Get Flood Insurance – Homeowners insurance does not cover flood damage. Most flood policies take 30 days to activate.
   
• Update Your Coverage Limits – Make sure your policy reflects current replacement costs if your home was upgraded or remodeled.
   
• Confirm ALE Coverage – Additional Living Expenses (ALE) coverage helps pay for hotel stays, meals, and storage if your home is uninhabitable.
   
• Act Before It’s Too Late – Once a storm is named, it’s too late to make changes or apply.
   

More resources available at PrepareFL.com

We serve Central Florida, including Orange and Seminole County, with licensed inspections and fast turnaround.
Contact us now or Schedule online to stay ahead of the storm.