Roof Inspections
Free photo inspections for homeowners — plus wind mitigation, 4-point, and insurance roof inspections that can save you real money.
The free inspection: photos you keep
Every Effortless Roofing inspection ends with a photo report you own: overall condition, close-ups of every concern, measurements, estimated remaining life, and our straight recommendation — repair, replace, or "you're fine, see you in a few years." Keep it for insurance renewals, HOA files, real-estate transactions, and your own peace of mind.
Inspections that save you money
Wind mitigation inspection (OIR-B1-1802). This state-standardized inspection documents seven wind-resistant features of your roof and home: building code year, roof covering, deck attachment, roof-to-wall connections, roof shape, opening protection, and secondary water resistance. Florida law (§627.0629) requires insurers to discount the windstorm portion of your premium based on it — typically 25–45% off the wind portion, which can mean hundreds to thousands per year. Valid for 5 years. (A revised form took effect April 2026.)
4-point inspection. Covers roof, electrical, plumbing, and HVAC. Insurers commonly require it for homes 25–30+ years old (Citizens: 20+) when writing or renewing policies. It answers one question: is this house insurable? It doesn't set discounts — that's the wind mitigation's job.
Insurance roof certifications. When your roof hits 15+ years, Florida's 15-year rule (§627.7011) says your insurer can't refuse renewal solely for roof age — but they can require an inspection at your expense, and they can non-renew if it doesn't show 5+ years of remaining useful life. Since 2024 (HB 1611), licensed roofing contractors are authorized to perform these inspections. That's us — and if the inspection shows your roof is done, we do roof replacement too, so you're not starting over with a stranger.
Getting a renewal notice that mentions your roof? Don't panic — get inspected. A documented 5+ years of remaining life is often all it takes, and a wind mitigation inspection done at the same visit can cut your premium at the same time.
How much does a wind mitigation inspection cost?
A: Typically $75–$150 in Broward County — and it routinely pays for itself many times over in premium discounts over its 5-year life.
What's the difference between wind mitigation and 4-point?
A: Wind mitigation documents wind-resistant features to earn premium discounts. 4-point documents the overall condition of four systems to determine insurability. Many homeowners need both; we can often do them in one visit.
My insurer says my roof is too old. What are my rights?
A: Under §627.7011, if your roof is under 15 years old (measured from when 100% of the surface was last installed), they can't refuse to insure or renew solely because of age. At 15+, they can require an inspection — at your expense — but must continue coverage if it shows 5+ years of remaining life. "Solely" matters: overall condition still counts.
Is the inspection really free?
A: Our general roof inspection and photo report are free. State-standardized insurance inspections (wind mitigation, 4-point) are paid services — we'll quote them upfront, and bundle pricing is available.
Roof Trouble? Call Now — We Answer 24/7
One call gets you a free inspection, photos of exactly what your roof needs, and a straight written quote. No forms, no waiting — a real person picks up.
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