If you own a home in Naples, your insurance company is going to ask for paperwork — usually a 4-point inspection, a wind mitigation report, or both. These aren't optional extras anymore. In today's Florida insurance market, carriers won't write or renew coverage on many homes without them, and the difference between a well-documented wind mitigation report and a sloppy one can be thousands of dollars a year in premiums. We do both in a single visit, and every report is completed by an inspector backed by a licensed General Contractor and Roofing Contractor — the credentials insurers actually trust.
The 4-point inspection — what carriers require on older homes
A 4-point inspection documents the current condition of four systems: the roof, electrical, plumbing, and HVAC. Insurers use it to decide whether they'll cover the home at all. In Collier County, where a big share of the housing stock went up in the 1980s and 90s, this report is where deals with your carrier are won or lost — an aging water heater, a polybutylene supply line, or a Federal Pacific panel can trigger a denial letter, and it's far better to know before the insurer does. Our reports are clear, photo-documented, and written to answer the underwriter's questions the first time, so you're not stuck in a back-and-forth while your coverage sits in limbo.
Wind mitigation — the report that pays you back
A wind mitigation inspection works the other direction: instead of qualifying you for coverage, it earns you discounts. Florida law requires insurers to credit homes with wind-resistant features — the roof shape, how the roof deck is attached, roof-to-wall connections like hurricane clips or straps, secondary water resistance, and impact-rated openings. Homes built after the 2002 Florida Building Code changes often qualify for substantial credits automatically, and many older Naples homes qualify for more than their owners are claiming. The catch is that credits only count if they're properly documented on the current OIR-B1-1802 form. As a licensed Roofing Contractor, we walk the roof whenever it's safe and fly a drone when it isn't, and we photograph every feature the form asks about — because a checkbox without a photo is a credit your carrier can refuse.
One visit, both reports
Most Naples homeowners need both documents at the same time — a new policy, a renewal, or a carrier switch. We schedule them as one appointment. The inspection overlap is significant, the reports are delivered together, and bundling costs less than booking them separately. If you're buying a home, both can ride along with your full home inspection so everything your insurer and your lender need arrives in one package.
Roof certifications and carrier questions
Carriers sometimes ask for a roof condition certification on top of the standard forms, especially on roofs past the 15-year mark. Because our team holds a Roofing Contractor license, we can speak to roof condition with an authority most inspection companies can't — and when an underwriter pushes back on a finding, our reports hold up.
Why Naples homeowners use Patriot for insurance inspections
We're based here in Naples, we've completed thousands of insurance inspections across Collier and Lee County, and we hold more licenses than any inspection company in Southwest Florida — General Contractor, Roofing Contractor, Mold Assessor, and the region's only certified Radon Lab. That matters for insurance work specifically: these reports get scrutinized by underwriters, and reports signed by licensed contractors get questioned less. Same-day and next-day appointments are usually available, and reports are typically delivered within 24 hours, because insurance deadlines don't wait.
Insurance inspection services in Naples
Call (239) 826-5866 or schedule online — if your renewal deadline is close, tell us and we'll work around it.