06/07/2026
β
A PRO TIP FROM DAVID'S ROOF RESTORATION
Small investment. Big savings on your insurance.
The cost to get inspections and roof rejuvenation service done is very minimal β but the savings you can
unlock on your homeowner's insurance are very high. Homeowners who take these steps often recover
the cost within the first year of reduced premiums alone, and continue saving year after year.
β
A PRO TIP FROM DAVID'S ROOF RESTORATION
Small investment. Big savings on your insurance.
The cost to get inspections and roof rejuvenation service done is very minimal β but the savings you can
unlock on your homeowner's insurance are very high. Homeowners who take these steps often recover
the cost within the first year of reduced premiums alone, and continue saving year after year.
Cost of service
Minimal
Potential savings
Very high
Return on investment
Often year one
TIP 1
Get a 4-point inspection before shopping for a new policy
A 4-point inspection evaluates the four major systems of your home β roof, electrical, plumbing, and HVAC.
Insurance companies require this for older homes, and a clean report can make you eligible for coverage that
would otherwise be denied β and at a significantly lower premium.
β Shows insurers your home is well-maintained and lower risk
β Required by most Florida carriers for homes 20β25 years or older
β Can be the difference between getting a policy and being denied
β
Pro tip: If your roof receives a marginal score, ask about a roof rejuvenation treatment β restoring your
Shingles can improve your inspection results and help you qualify for better rates.
TIP 2
Get a wind mitigation report
A wind mitigation inspection evaluates how well your home is built to withstand hurricane-force winds. It looks
at your roof shape, roof covering, roof deck attachment, and how the roof connects to your walls. A favorable
report can lead to substantial discounts on the wind portion of your premium.
β Can save homeowners anywhere from 10% to 45% on wind coverage
β Florida insurers are required by law to offer discounts based on results
β Report is valid for 5 years β one inspection, years of savings
β A well-maintained roof covering is one of the key factors rated
β
Pro tip: A roof rejuvenation treatment that restores your shingles may positively impact your wind mitigation
Rating by demonstrating a well-maintained roof covering.
TIP 3
Know what the inspector will be looking at inside your home
Before your 4-point inspection, do a quick walk-through of your home with these key areas in mind. Inspectors
check these systems closely β any red flags can result in a failed inspection or a higher premium.
β Electrical panel: Make sure it is updated and up to current code
β The water heater should be less than 5 years old
β HVAC system should not be outdated β age and condition both matter
β No water leaks. Check under sinks, around toilets, and anywhere water runs
β Heads up: Address any of these issues before your inspection. Problems found during the inspection can lead
to denial of coverage or significantly higher premiums.
TIP 4
Understand your water exclusion options
Some homeowner policies allow you to adjust or opt out of certain water-related coverages β such as water
backup or specific flood-related riders. While this reduces coverage in those areas, it can lower your premium
over time. This is a trade-off that depends on your home's risk level, location, and financial situation.
β Removing optional water riders can reduce your annual premium
β Savings can add up significantly over several years
β Best evaluated alongside your agent to understand what you'd be giving up
β Important: Reducing coverage is a personal financial decision. Always fully understand what is and isn't
covered before making changes to your policy.
Questions to ask your insurance agent
Whether you're getting a new policy or renewing, bring these questions to your agent:
β Do you offer discounts for a 4-point or wind mitigation inspection?
β What is the current rating on my roof, and how does it affect my premium?
β What water-related coverages are included, and which are optional?
β If I improve my roof condition, can my policy be re-rated?
β What would change on my policy if I get a wind mitigation inspection done?
For informational purposes only. The information above is provided as general guidance to help homeowners have informed
conversations when seeking a new insurance policy or renewal. It is not legal or financial advice. Always consult a licensed
insurance professional for guidance specific to your situation.
David's Roof Restoration Β· freshroofofmiami.com Β· Serving Miami-Dade & Broward County
