Wind mitigation, 4-point and roof inspection reports for Florida home insurance, on the official forms, from a Florida Certified Building Contractor.
| Covering | Permit date | Product approval # | Year |
|---|---|---|---|
| Asphalt shingle | — | BLD-ROOF-00012345 | 2024 |
"BLD-ROOF-00012345" looks like a PERMIT number. The column asks for the FBC (FL#) or Miami-Dade (NOA) product approval.
Asphalt shingle: "BLD-ROOF-00012345" does not look like an FBC (FL12345.1) or Miami-Dade NOA (21-0503.05) number.
Three reports
3 forms
Wind mitigation$115OIR-B1-1802 (Rev. 04/26)The state form insurers use for wind credits: roof shape, deck nails, roof-to-wall straps, water barrier and the protection on every opening.
New revision since April 1, 2026
4-point$150Citizens Insp4pt 03 25Roof, electrical, plumbing and heating and air: age, type and condition, with the photos the form asks for.
Often asked for on older homes
Roof condition$95Citizens RCF-1 03 25Covering type, age, remaining life and any damage or leaks, with every slope photographed.
What the checker catches
Every one came from a real report by another inspector. LYSPECT now checks for each one, or makes it impossible, before a report goes out.
- A. FBC 2001 & 2004Not allowed
Q1 A needs a home built 2002 or later (built 1998).
- B. FBC 2007 and laterNot allowed
Q1 B needs a home built 2007 or later (built 1998).
- C. HVHZ only: SFBC-94The form allows it
- D. Unknown, or does not meet A, B or CAllowed, but check
HVHZ home built 1998: may qualify for Q1 C with the permit application.
Try question 1
Type the year your house was built and, if you have it, the date the original permit was applied for. The same rules LYSPECT runs on every report show which box the form allows.
The rules on the form
- A: built 2002 or later. For 2002 or 2003, the permit was applied for after 3/1/2002.
- B: built 2007 or later. For 2007 or 2008, the permit was applied for after 12/8/2006.
- C: Miami-Dade or Broward only, built 1994 or later. For 1994 to 1996, the permit was applied for after 9/1/1994.
- D: unknown, or none of the above.
From booking to report
The Citizens RCF-1 form with every slope photographed and the covering's age and remaining life.
Book roof conditionQuestions
Is this a home inspection?
No. These are the insurance forms: wind mitigation, 4-point and roof condition, completed by a licensed contractor. A full inspection before you buy a house is a different service, done by a licensed home inspector.
Will this lower my insurance?
It documents the features your insurer gives credits for. Your insurer decides which credits apply and what they are worth. We report what is there and never change an answer to get a discount.
Who gets my report?
You, and only the people you choose, such as your insurance agent, lender or realtor.
What do you need from me?
Access to the attic, the roof, the electrical panel and the water heater, and someone 18 or older at home. Roof or window permits and receipts help if you have them.
Is the inspector licensed?
Yes: Florida Certified Building Contractor, license CBC1268859. Florida law (s. 627.711) lets licensed contractors sign the wind mitigation form, and Citizens accepts them for its 4-point and roof forms.
Do you speak Spanish?
Yes. The visit, the emails and the report summary in English or Spanish. The official forms are in English, as the state and Citizens publish them.
Book a visit
Tell us the address and which reports you need. We will confirm a time by phone or email.