The general inspection

A licensed home inspector looks at the structure, roof, electrical, plumbing, heating and cooling, and the visible condition of the home. Read the whole report, not just the summary, and ask the inspector about anything you don’t understand while you still have time to act on it.

An inspection report isn’t a pass or fail. Its job is to help you decide whether to proceed, negotiate or walk away within the terms of your contract.

Four-point inspections

In Florida, insurers may ask for a four-point inspection on older homes. It focuses on four systems: roof, electrical, plumbing and HVAC. The result can affect whether a carrier will write a policy and on what terms, so for an older home it’s worth ordering early and sharing with your insurance agent.

Wind mitigation

A wind-mitigation inspection documents features that help a home resist wind, such as roof attachment, roof shape and opening protection. In Florida, this documentation can support windstorm premium credits. If the seller already has a recent report, ask for a copy.

Coastal wear and tear

Salt air is hard on buildings. Near the water, pay extra attention to:

  • Roof covering and flashing
  • Exterior metal, fasteners and railings
  • HVAC condenser coils and cabinets
  • Windows, doors and their seals
  • Docks, seawalls and lifts, which may need a specialist

Condominiums

In a condominium, much of what matters sits with the association rather than the unit. Review the budget, reserves, insurance, any special assessments, structural or milestone obligations where they apply, and rental rules. These documents can matter as much as the unit inspection.

Line up insurance during the inspection period

Get insurance quotes while you’re still inside your inspection window. Florida policies can carry a separate hurricane deductible, and flood coverage is separate from homeowners and wind coverage in both Florida and Alabama. Knowing the cost and availability early avoids surprises close to closing.

Sources and official resources

This article is general information, not legal, tax, insurance, lending or inspection advice. Rules and programs change; confirm details with the controlling office or a licensed professional for your situation.