What does a roof inspection include?

A visual assessment of shingles, flashing, penetrations, gutters, ventilation, signs of leaks, and overall condition. You receive a photo-documented report with findings and recommendations.

What is a wind mitigation inspection?

A wind mitigation inspection evaluates your home's resistance to wind damage by documenting features like roof-to-wall connections, roof covering, opening protection, and roof geometry. The report is used by insurance companies to determine premium discounts.

What is a 4-point inspection?

A 4-point inspection examines four major home systems — roofing, electrical, plumbing, and HVAC — for insurance underwriting purposes. It's typically required for homes older than 25–30 years.

How much do inspections cost in Clearwater?

Roof inspections typically range $100–$250. Wind mitigation inspections cost $75–$150, and 4-point inspections range $100–$200. Bundling multiple inspections can reduce total cost.

How long are the inspection reports valid?

Wind mitigation reports are typically valid for 5 years. Four-point inspection validity varies by insurer but is generally 1–3 years. Roof inspection reports are point-in-time assessments.

When should I schedule an inspection for my Clearwater home?

Schedule a roof inspection every 2–3 years or after storms. Schedule a wind mitigation inspection after any major upgrade or if your current report is over 5 years old. Schedule a 4-point if your home is 25+ years old and you're applying for or renewing insurance.

Clearwater Roof & Wind Mitigation Inspection Experts

Weathershield provides professional residential roof inspections, wind mitigation inspections, and 4-point inspections for Clearwater homeowners. Whether you need to assess your roof's condition after a storm, document wind-resistance features for insurance discounts, or satisfy your insurer's requirements for an older home, our certified inspectors deliver thorough, insurance-ready reports.

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Residential Roof Inspections

A professional roof inspection gives you an honest, detailed assessment of your Clearwater home's roofing system. Our inspectors evaluate shingle condition, flashing integrity, penetrations (vents, pipes, skylights), gutter performance, ventilation, and signs of leaks or storm damage. We document everything with photos and provide a clear summary of your roof's remaining life expectancy, any immediate concerns, and recommended maintenance. Roof inspections are essential before buying or selling a home, after major storms, or if your roof is more than 10 years old. For Clearwater homeowners, annual or biennial inspections can catch small issues before they become costly problems.

Wind Mitigation Inspections

A wind mitigation inspection evaluates the features of your Clearwater home that resist wind damage during a hurricane or tropical storm. The inspector documents seven key areas: roof covering type, roof deck attachment method, roof-to-wall connection (hurricane straps or clips), roof geometry (hip vs. gable), secondary water resistance, opening protection (impact windows, shutters, or none), and the presence of a code-compliant roof installed after the 2002 Florida Building Code update. Each feature earns a specific credit on your insurance policy. Homes with favorable wind mitigation features — such as hurricane straps, a hip roof, and impact windows — often qualify for meaningful premium reductions. The inspection takes approximately 30–60 minutes, and the resulting report is valid for five years under most Florida insurance carriers' guidelines.

4-Point Inspections

A 4-point inspection examines the four major systems of your home: roofing, electrical, plumbing, and HVAC. Florida insurance companies typically require this inspection for homes older than 25–30 years as a condition of issuing or renewing a policy. The inspector documents the age, condition, and type of each system, noting any deficiencies or safety concerns. For Clearwater homes built before the mid-1990s, this inspection is often required before an insurer will write or renew coverage. A 4-point inspection is not a full home inspection — it's a focused evaluation of these four critical systems specifically for insurance underwriting purposes. The inspection typically takes 30–45 minutes.

Why Florida Insurers Often Request These Inspections

Florida's property insurance market uses wind mitigation and 4-point inspections to assess each property's risk profile. A wind mitigation report tells the insurer how well your home can resist storm damage — homes with modern wind-resistance features may cost less to insure. A 4-point report tells the insurer whether your home's major systems are functional and safe. For Clearwater homeowners, having current inspection reports on file is important for obtaining competitive insurance rates and avoiding coverage issues.

When Clearwater Homeowners Need an Inspection

Schedule a roof inspection if you're buying or selling, after any major storm, or if your roof is over 10 years old. Schedule a wind mitigation inspection if you've never had one, if your current report is more than five years old, or if you've made improvements to your home's wind-resistance features (new roof, impact windows, or structural upgrades). A 4-point inspection is typically required when your home is 25+ years old and you're applying for new insurance or renewing an existing policy. We also recommend scheduling inspections after any major renovation — updated reports can help document your home's current condition accurately.

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