August 20, 2026
Florida buyers and owners get handed a menu of inspections with similar-sounding names, and it's rarely clear which one they actually need. A 4-point is not a full inspection. A wind mitigation is not a roof inspection. A WDO is not a mold assessment. Here's the plain map, so you book the right one — and don't pay for two that overlap.
The full buyer's home inspection
This is the standard pre-purchase inspection — the visible, accessible condition of the whole house: structure, roof, exterior, electrical, plumbing, HVAC, insulation, appliances, and interior. It's what your inspection period is for, and it's the one most buyers schedule first. Everything else is either an add-on to this or a separate insurance-driven inspection.
Insurance-driven inspections: 4-point, wind mitigation, roof
Florida insurers often require a 4-point inspection (roof, electrical, plumbing, HVAC) and a wind mitigation inspection (the OIR-B1-1802 form documenting wind-resistance features that earn premium credits) before binding coverage. A roof inspection for insurance documents roof condition when the carrier specifically asks about the roof. These are narrower than a full inspection and are about underwriting, not the whole house.
Focused add-on inspections
These target a single system or risk that a full inspection only touches on the surface: a pool and spa inspection, a sewer video inspection (a camera down the lateral), a mold inspection (with sampling), a WDO/termite inspection, a crawl space inspection on pier-and-beam homes, and a seawall inspection on waterfront property. Each is its own scope, and most can be coordinated in the same visit as your full inspection.
Specialty property inspections
Some properties need a different checklist entirely. A mobile or manufactured home inspection looks at HUD-code-specific systems — tie-downs, anchors, piers, and subfloor. A new construction inspection covers phased visits (pre-drywall and final) plus an 11-month warranty inspection. A commercial property inspection evaluates a building for a lease or purchase. A structural inspection documents foundation and framing concerns and refers to an engineer where formal evaluation is needed.
Which do you actually need?
Most buyers start with a full buyer's home inspection, then add a 4-point and wind mitigation if their insurer requires them, and add focused inspections (pool, sewer video, seawall, mold, WDO) based on the property. If you're not sure, call with the address and what your agent and insurer have told you — we'll tell you what you need and what you don't, plainly, before you book. Reach Inspected at 727-291-3322, seven days a week through 10 PM.
Ready to schedule your inspection?
Call us with the property address and we'll give you a clear price before you book. No upsell, no pressure.