Home Inspections in Palm Harbor, Florida

A 4-point inspection is a focused report on the four systems Florida insurance carriers care about most: the roof, electrical, plumbing, and HVAC. For a Palm Harbor home, we document the age, materials, and current condition of each system with photographs, and note any issue an underwriter would flag — such as an outdated electrical panel, polybutylene supply lines, or an aging water heater. Most carriers require one on homes roughly 25 to 40 years or older before writing or renewing a policy. RMC Inspections charges a flat $100 in Palm Harbor.

A wind mitigation inspection documents the hurricane-resistant features of your Palm Harbor home on Florida's standardized OIR-B1-1802 form. We record roof shape, roof covering type and permit date, roof deck attachment (nail size and spacing), roof-to-wall connections such as clips or straps, secondary water resistance, and whether openings are impact-rated or shuttered. It is not a pass/fail inspection — it exists purely to prove which insurance credits you qualify for. Flat $100.

Florida law requires carriers to discount the windstorm portion of your premium for documented wind-resistant construction. Savings depend on the home, but most Palm Harbor homeowners save several hundred dollars a year, and homes with a hip roof, clips or straps, secondary water resistance, and impact-rated openings can save well over a thousand. Since the report is good for five years, a $100 inspection usually pays for itself on the first renewal.

A 4-point or wind mitigation inspection on a typical Palm Harbor home takes about 30 to 45 minutes on site, and both together usually take under an hour. Your completed report is emailed to you — and to your insurance agent if you'd like — typically within one business day.

Yes. RMC Inspections is owned and operated by Robert Martin, a Florida Licensed Home Inspector (license #HI7816) with more than 14 years of experience, insured, and serving Palm Harbor and the surrounding Tampa Bay area.