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Inspector and Owner

Gain valuable insights on 300+ items to make a sound decision on your investment.

A visual inspection of your condo including major systems not covered by the HOA.

A visual inspection of your townhome including major systems not covered by the HOA. 

Protect your property investment by identifying areas of concerns before you buy.

A visual inspection to assess the condition of the components of your duplex/multiplex.

A visual inspection to assess the condition of the components of your manufactured home.

Gain valuable insights on 300+ items in your new construction home to ensure peace of mind.

Inspect the framing, plumbing, and electrical before the drywall goes up.

Get expert advice without a written report to make a quick, yet informed decision.

List your home confidently by identifying potential issues before the buyer’s inspection.

Customize this service to save on costly repairs and protect your health, safety, and home.

Inspect your home proactively before listing it to identify issues and sell faster.

A thorough inspection of a recently purchased home, giving peace of mind after closing.

Address issues and request repairs with your builder before the warranty expires.

Confirm all the requested repairs have been made from the initial inspection report.

Detect nitrates, bacteria and other contaminants in tap water that lead to health issues.

Detect harmful indoor allergens and pollutants to breathe easier in your home.

Uncover health and safety hazards hidden in walls and ceilings to avoid costly repairs.

Detect and mitigate clogged or damaged sewer lines before backups in the home occur. 

Ensure the pool and/or spa is functioning properly and free of safety hazards.

Detect mold via air sample to identify the presence of unseen moisture and leaks.

Detect mold via surface sample to protect against health issues and structural damage.

Ensure adequate water flow from the well system to the home. 

Detect this carcinogenic gas that is the leading cause of lung cancer among nonsmokers.

Protect the home’s structural integrity by identifying signs of pest infestations. 

Ensure the home is in good condition by checking the roof, plumbing, electrical, and HVAC.

Inspect the fireplace and chimney to reduce fire hazards like creosote buildup.

Elevate your listing, increase visibility on home selling platforms, and sell faster.

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When you own a home, there are many considerations, especially when you need to meet certain insurance requirements. 

If you own an older home and are renewing a policy or switching insurance companies, you may be asked to complete a 4-point inspection. The same applies if you’re [selling your home](https://wini.com/home-seller/) — buyers may request a 4-point inspection as part of the sale process. This proactive step helps the buyers identify potential risks associated with major systems. 

So, what is this inspection? Why do you need one, and how do you prepare for it? This guide covers all the bases, helping you confidently meet insurance requirements and protect your home’s value. 

## What Is a 4-Point Home Inspection?
Unlike a full home inspection, which covers hundreds of components, a [4-point inspection](https://wini.com/articles/what-is-and-why-do-you-need-4-point-inspections/) focuses on four key systems: 

1. Roof
2. Electrical
3. Plumbing
4. HVAC (heating, ventilation, and air conditioning)

Insurance companies typically request this inspection for homes 15 years or older to ensure that these core systems are safe, functional, and not at high risk of failure. 

When selling your home, you may also consider a 4-point inspection. 

Why?

Because it can give you a negotiating advantage and reduce the risk of a sale falling through. It also provides increased buyer confidence, a smoother closing process, and helps you get your desired selling price.

![WIN Home Inspector engaged in conversation with the clients at a table, with an iPad.](https://d2nnm6ppct4rc3.cloudfront.net/3_U7_A6461_1_4c4a6f0f13.jpg)

## Why Do Insurance Companies Require It?
Older homes can present higher issues, such as aging roofs that may leak, outdated wiring that could cause fires, and the potential for old plumbing to leak or burst unexpectedly. 

A 4-point inspection helps insurers: 

Assess the condition of your home’s major systems
- Decide if the home qualifies for coverage
- Identify needed repairs before issuing or renewing a policy
- Passing this inspection is key to securing or maintaining affordable homeowners' insurance. 

## Do All States Require a 4-Point Inspection?
No, not all states require a 4-point inspection. The need to get one will depend on your insurance company’s policies, the location of your home, and its age. 

High-risk states, such as Florida, Texas, Louisiana, and California, often require this relatively non-invasive inspection for older homes. Insurance companies may also require homeowners to complete this inspection during periods of high risk. 

The above mentioned states are where 4-point inspections are most common, and here’s why: 

- Older homes in these states are more susceptible to increased humidity, [storms, hurricanes, and flooding](https://wini.com/articles/essential-hurricane-prep-list/). 

- Insurance companies face higher risks due to weather-related claims in these areas. So, carriers often require proof that roofs, electrical systems, plumbing, and HVAC are in good working order before writing or renewing policies.

If you’re a homeowner in a region that requires a 4-point inspection, it’s important to be mindful of the requirements and prepare accordingly. 

## How to Pass a 4-Point Home Inspection: Checklist
Here’s a system-by-system breakdown to help you prepare. 

### Roof 
- Repair or replace missing shingles, tiles, or flashing
- Fix any visible leaks or water stains in ceilings or attics
- Know your roof’s age — insurers may flag roofs over 15–20 years

### Electrical 
- Upgrade outdated breaker panels (like Federal Pacific or Zinsco)
- Replace knob-and-tube or aluminum wiring if present
- Ensure no exposed wires, overloaded circuits, or DIY fixes

### Plumbing 
- Repair leaks under sinks, around toilets, and near the water heater
- Replace high-risk polybutylene piping
- Make sure your water heater is working properly and within its lifespan (usually 10–12 years)

### HVAC 
- Ensure the system heats and cools effectively
- Replace filters and clean ducts if needed
- Confirm no missing parts or visible damage

![What is a 4-Point Inspection](https://d2nnm6ppct4rc3.cloudfront.net/What_is_a_4_Point_Inspection_389ef8f3cb.png)


## Common Reasons Homes Fail a 4-Point Inspection

While every property is unique, these issues frequently lead to failures: 

- Roof nearing the end of its lifespan
- Outdated electrical panels or unsafe wiring
- Old plumbing pipes, like polybutylene or galvanized steel
- HVAC units that don’t function properly or are missing parts

An inspector will look for defects, safety hazards, or signs of excessive wear and tear — so keep that in mind. 

Addressing these issues in advance gives you the best chance of passing a 4-point inspection. 

## Pro Tips to Get Ready
- Keep receipts or service records for roof replacements, HVAC tune-ups, and plumbing upgrades.
- Leverage modern inspection tools — WIN inspectors use moisture meters, infrared (IR) scans, drones, and scope cameras to give you a clearer picture of your home’s condition.
- [Schedule a full home inspection](https://wini.com/services/home-inspection/) to gain greater peace of mind. This comprehensive inspection can identify small issues that may become significant, costly repairs later. 

### What If You Don’t Pass?
If your home doesn’t pass, your insurance company may: 

- Require you to make repairs before offering coverage.
- Deny your application or renewal, leaving you with no home insurance.

At WIN Home Inspection, we simplify this process with our <a href="https://www.youtube.com/watch?v=IDu31enb9MM&feature=youtu.be" target="_blank">Property Care List (PCL)</a>, a complimentary tool that organizes inspection findings into clear categories: Repair, Replace, or Credit. This makes it simple for homeowners and agents to track repairs and negotiate with confidence. 

## FAQs About 4-Point Inspections

### How long does a 4-point inspection take?
Typically, one to two hours, depending on the size and condition of your home. A [drone roof inspection](https://wini.com/drone-inspection/), compared to a traditional roof inspection, can influence this timeframe. 

### How much does a 4-point inspection cost?
Costs vary by location but generally range from <a href="https://insurify.com/homeowners-insurance/knowledge/4-point-inspection/#:~:text=on%20average%2C%20homeowners%20pay%20between%20%2450%20and%20%24150." target="_blank">$50 to $150</a>. In comparison, a full home inspection can range from [$200 to $500 and up](https://wini.com/articles/home-inspection-cost/). The size of your home and location will have a significant impact on cost. 

### What’s the difference between a 4-point inspection and a full home inspection?
A 4-point inspection focuses on four major systems for insurance purposes, while a full home inspection covers hundreds of components throughout the entire home, providing more comprehensive peace of mind for buyers and sellers. 

### Can you fail a 4-point inspection?
Yes. If your systems are unsafe, outdated, or in poor condition, insurers may deny coverage until repairs are made. 

## Take the Next Steps: WIN Home Inspection Can Help
A 4-point inspection isn’t about perfection — it’s about showing that your home’s key systems are safe and reliable. By making small repairs, keeping good records, and working with a trusted inspection partner, you can pass with ease.
 
WIN Home Inspection has been the #1-ranked home inspection company since 2023, offering 35+ essential inspection and testing services nationwide. Whether you require a 4-point inspection, a comprehensive home inspection, or specialized testing, our highly trained inspectors deliver actionable insights for every home.

[Get in touch](https://wini.com/contact-us/) to get started today. 

How to Pass a 4-Point Home Inspection

Learn what a 4-point inspection checks—roof, electrical, plumbing, HVAC—why insurers require it, plus a checklist, fails, fixes, and tips to pass.

Buying a new house is an exciting time. You’ve likely spent years saving for a down payment on your future home, making your purchase both a major milestone and one of the largest financial investments you’ll make. That’s why house buying can be such an emotional process, and why it’s so critical that you take steps to protect your investment.

While it’s easy to get lost daydreaming over how good your favorite chair will look in your new living room, it’s important not to overlook what could be lurking just beneath the surface. From faulty wiring to structural issues or [mold](https://wini.com/articles/how-do-home-inspectors-test-for-mold/), a single unknown issue is enough to turn your dream home into a living nightmare. Home inspections are a way of avoiding the unexpected and eliminating unpleasant surprises before they cause long-term harm or cause you to spend money on a home that's completely wrong for you. Here’s everything you need to know about what inspections you need to prioritize so you can proceed with your home-buying experience confidently.

## Why Home Inspections Are Important

![home inspection process](https://d2nnm6ppct4rc3.cloudfront.net/HHC_4de57958bd.jpg)

The purchase of a new house is one of the largest investments you'll ever make. That’s why it’s critical that you ensure you’re spending your money wisely. A [home inspection](https://wini.com/services/home-inspection/) can uncover hidden problems that could cost you thousands of dollars if ignored. As a buyer, you won’t generally check out the attic or crawl space of a home, meaning you could miss critical issues or areas in need of repair. Home inspectors thoroughly explore these areas of a home and more and report on their condition.

Some of the typical hidden issues you might not see during an open house include:

 - Roof leaks
 - Foundation cracks
 - Outdated electrical wiring
 - Plumbing issues
 - Hidden mold
 - Pests

American Home Shield, a home warranty company, questioned over 1,000 homeowners in 2024 and discovered that an astonishing [92% of them experienced issues with their new homes in the first year](https://www.ahs.com/home-matters/homebuyer-hub-resources-and-guides/common-new-home-issues/). The problems they faced, like leaks, faulty windows, and outdated wiring or electrical panels, are all avoidable with the right inspections.

## Standard Home Inspection

Every homebuyer should at least invest in a standard home inspection. Your inspector will provide you with a comprehensive overview of your property's current condition, so you know exactly what you're buying. These types of inspections examine critical components of the house, including structural aspects, plumbing and electrical systems, HVAC (heating, ventilation, and air conditioning), roofing, insulation, and major appliances.

But what do home inspectors look for? Some of the items they'll inspect on the property are:

 - Structural: Inspecting the foundation, walls, floors, ceilings, and roof for any visible signs of deterioration and structural-related issues.
 - Electrical System: Ensuring electrical wiring, outlets, panels, and circuit breakers for function and safe operation.
 - Plumbing System: Inspecting pipes, fixtures, water heaters, and drainage systems for leaks, corrosion, or contaminants.
 - HVAC System: Inspecting heating and cooling systems for efficiency, operation, and functional flow.
 - Interior and Exterior Features: Inspecting doors, windows, stairs, decks, and garages for safety issues and functional problems.
 - Appliances and Fixtures: Testing built-in kitchen appliances, smoke alarms, carbon monoxide alarms, and other installed items.

Home inspections are thorough and typically last two to four hours, depending on the home’s size. You'll pay between $300 and $500 on average, depending on the location and size of the property. Following the inspection, the inspector provides you with a detailed report that summarizes issues and recommended next steps, along with photos and descriptions. The report is an essential tool you can use to negotiate credits with the seller, budget for repairs, or even consider looking at other properties if the issues are too significant.

## Specialized Inspections to Consider

A standard home inspection provides you with a basic understanding of a property's condition. However, the scope of a home inspection can be limiting, especially depending on where you live or how old the property is. You may need to add on additional inspections or services to get a more in-depth understanding of the property, such as the sewer line or septic tank, chimney, electrical system, or energy efficiency.

### 1. Radon Inspection

Radon is a colorless, odorless radioactive gas that naturally occurs due to decaying uranium in the soil. Exposure to high levels of radon has been proven to create a heightened risk of lung cancer, risk so alarming that the Environmental Protection Agency (EPA) has a National Radon Action Plan to manage high indoor radon levels.

Radon testing involves placing a specialized detector in the home's lowest living area and monitoring the radon levels for 48 hours. Homes with basements, or those located in a naturally high radon area, are especially vulnerable. Radon testing can cost anywhere from $150 to $450, depending on the size, age, and layout of your home, and it should be done every two years. 

### 2. Termite and Pest Inspection

Wood-destroying insects, such as termites, carpenter ants, and wood-boring beetles, can cause extensive structural damage without ever being spotted by the untrained eye. Pest inspectors are trained to look for signs of active or inactive infestation, such as mud tubes, wood damage, or insect waste. 

Inspectors also evaluate and report on conditions that can promote future pest infestation, such as water accumulation and wood-to-ground contact. Pest inspection runs from $75 to $325 and is a necessity in humid climates or where termites are known to exist.

### 3. Mold Inspection

Mold can grow unnoticed in damp places and lead to health issues like allergies, respiratory infections, and asthma attacks. A mold inspector conducts a visual inspection but also collects air and surface samples. All homes are at risk of mold, but particularly those that have experienced water damage or leaks or have a basement or poor ventilation. A mold inspection may cost between $200 and $600, based on the size of the property and the amount of air or surface samples collected.

### 4. Sewer and Septic Inspection

A damaged sewer or septic system can lead to costly repairs and may even pose a health risk. Sewer inspectors use a special scope camera to check pipes for blockage, leaks, cracks, and root penetration. A septic inspector checks the condition and function of the septic tank and that of the associated drain field. These inspections can cost anywhere from $250 to $600.

### 5. Drone Roof Inspection

A home inspector typically always looks at the overall condition of your roof, they'll assess shingles, flashing, gutters, chimneys, and attic ventilation for damage or deterioration. However, there are conditions, such as high winds or rain or being covered in snow, that prevent that from happening. In those cases, the inspector will likely omit the roof portion of the inspection and if you’re lucky, they’ll reschedule to a day where the conditions are better to complete the roof portion of the inspection. This is where a drone roof inspection becomes critical. Most home inspectors are not equipped with this type of inspection technology, so those who are come in high demand. Drones allow inspectors to give a thorough examination of the roof’s condition, recording live video and taking photos of any areas of concern, all from the safety of the ground. This gives inspectors the ability to safely and more accurately perform roof inspections in harsh weather conditions and for steep or high-pitched roofs that are hard to access safely. 

## Reading and Understanding Your Inspection Report

It's normal to feel out of your depth when you first receive your home inspection report. It can be lengthy, detailed, and contain language you're not familiar with.

Make sure you find the summary page first. This is where you can read the inspector's key findings. You'll see major defects and issues that require immediate attention. Look out for phrases like "safety hazard" or adjectives like "significant" because these will show where the most severe problems lie.

Now that you know the basics, go through each item in detail, ranking issues as follows:

 - Major issues: These include structural problems, faulty wiring, roof leaks, foundation issues, or extensive plumbing repairs. Costly concerns like this may influence your purchase decision significantly.
 - Minor issues: Cosmetic problems or small repairs like chipped paint, loose fixtures, or minor leaks cost less to address. Check that you’ll have the budget to handle these after purchasing the property.
 - Maintenance tips: Take note of any general maintenance tips that the inspector offers to help keep the home in good condition down the road.

You can call your inspector to have any terms or results explained that you do not understand. Most inspectors are happy for the chance to clarify their findings or offer suggestions for additional action. Attending the last 30 minutes of the inspection allows you time with your inspector to ask questions and have them walk you through any key findings, without disrupting their process.

Having your inspection report puts you in a better position to negotiate with the seller. You can request repairs or potentially negotiate a price reduction or credits from the seller. And of course, you can even withdraw your offer if major issues seem too costly or risky.

## Negotiating with Inspection Results

When major concerns arise, you can use your inspection report to negotiate more favorable terms or ask for repairs essential to closing the sale. Of course, you’re not required to negotiate. If you’re happy and the findings of the inspection aren’t too worrisome or costly, you can move forward with the sale as planned. Remember, negotiations can be risky depending on the market. In some situations, the seller holds the power and could simply choose to sell to a buyer who is satisfied with the current condition of the home.

If your inspection report is packed with minor repairs that you can tackle fairly easily, it’s usually not worth disrupting the sale. However, if there are more severe issues that need to be addressed, like active leaks or a roof that needs repairing, here’s how you can try to negotiate your inspection findings:

### 1. Make a Priority List
Not all property issues are equal. Successful negotiations will focus on major safety concerns, structural issues, or repairs with a high price tag. Roof replacements or a full rewiring job fall into this category. Sellers are more likely to be open to addressing high-priority issues that substantially impact the habitability and safety of the home.
### 2. Request Repairs or Credits

When negotiating with your inspection results, you have two options:

 - Request Repairs: Ask the seller to invest in specific repairs before closing. Make sure all repairs are completed by licensed professionals, and request documentation or receipts as proof.
 - Request Credits: Alternatively, ask for monetary credit toward closing costs or a reduction in the purchase price, which will allow you to make repairs after the sale.

### 3. Be Reasonable and Flexible

Negotiate openly and in good faith. Sellers are more likely to respond to buyers who make reasonable, well-documented asks that are supported by the inspection report. Showing a willingness to compromise can result in more positive outcomes.

### 4. Talk to Your Real Estate Agent

Your real estate agent is your best ally in such negotiations. They know how to express concerns effectively and promptly and push you toward a fair solution. Use their local market experience and knowledge to negotiate strategically.

Knowing how to use inspection results to your advantage can both save you money and remove some of the aggravation from the home purchasing process. Your home inspection report is the tool that holds all of the evidence that you need to better manage your budget while still aiming for the home of your dreams.

## Choosing the Right Home Inspection Company

Buying a home is a big step, and having the right home inspection company by your side can make all the difference. A thorough and professional inspection helps uncover hidden issues, giving you the confidence to move forward with your purchase.

WIN Home Inspection is the [#1 ranked home inspection company in the U.S.](https://wini.com/), trusted by home buyers nationwide. Our certified inspectors are known for being friendly, prompt, and incredibly thorough. We offer a wide range of services beyond the standard inspection, including Radon Testing, Mold Sampling, Sewer Scope, and Drone Roof Inspections. Whether you're buying your first home or your forever home, we help you see more clearly.

At WIN, we make it easy to understand your inspection results with detailed, easy-to-read reports. These reports include photos, summaries, and recommendations that help you prioritize repairs and negotiate with confidence. Let’s make your home-buying experience as smooth and informed as possible.

What Inspections Are Needed When Buying a Home

Thinking about buying or selling a home? A home inspection is one of the most important steps in the process. It gives an unbiased picture of a home’s condition and helps buyers and sellers avoid costly surprises down the road.

It’s a lot like getting a physical examination. Home inspectors, like medical professionals, evaluate a home’s health and wellness. While they don’t take vitals, they do assess a home’s condition and run tests.

But what do home inspectors look for?

Whether you’re buying, selling, or just being a proactive homeowner, understanding home inspections helps you make informed decisions with confidence. 

Let’s take a look.

## Why Get a Home Inspection?

![Understanding Winter Home Inspections](https://d2nnm6ppct4rc3.cloudfront.net/Understanding_Winter_Home_Inspections_93c458fa90.png)

A home inspection is a professional assessment of a property’s condition. For buyers, an objective, third-party evaluation is a critical part of due diligence. It makes sense to know exactly what you’re buying, especially if you’re a [first-time homeowner](https://wini.com/articles/the-path-to-homeownership-tips-for-first-time-homeowners/). In addition, [certain loans require an inspection](https://themortgagereports.com/72314/conventional-loan-home-condition-requirements).

For sellers, a [home inspection](https://wini.com/articles/pre-listing-home-inspection-checklist-for-sellers/) is a smart way to identify and fix issues before listing the property. You’ll avoid surprises and build buyer trust by addressing issues on your terms. You may even get more offers and sell faster.

Homeowners who aren’t planning to move anytime soon can also benefit from a routine inspection. A [maintenance check](https://wini.com/articles/homeowners-guide/) helps catch minor issues, such as a leaky pipe or signs of moisture and mold growth, before they become expensive repairs. It’s a proactive way to protect your investment and stay ahead of long-term maintenance.

## Home Inspections for Buyers

Just as your doctor flags potential health issues before they get serious, a home inspector can uncover problems that aren’t obvious and could get worse over time. A home inspection is also your chance to get to know the property before you sign your [closing papers](https://myhome.freddiemac.com/buying/understanding-homebuying-and-closing-documents). A good inspector will clearly explain their findings, answer your questions, and typically provide a written report within a day.

Some issues are common, such as an aging water heater or worn roof shingles, but they aren’t a deal-breaker. However, problems like structural movement, electrical hazards, or signs of water intrusion can be critical. These are the kinds of things that could impact your safety, future expenses, or your decision to purchase.

Here’s what a [buyer’s home inspection](https://wini.com/articles/consequences-of-waiving-home-inspection/) can do for you:

- Uncover potential safety or structural issues 
- Offer guidance on requesting repairs or credits with the seller
- Help you make an informed decision and gain peace of mind

Understanding the difference between major and minor issues and what issues to prioritize can help you stay calm and focused during the buying process. 

## Home Inspections for Sellers

If you’re selling your home, a [pre-listing inspection is a smart move](https://wini.com/articles/tips-for-sellers-to-prepare-for-a-home-inspection/). It gives you a heads-up about problems a buyer’s inspector might find and lets you take care of them on your terms. It can also help you and your real estate agent set a realistic asking price.

Even if you choose not to make repairs, transparency with potential buyers builds trust. You’ll also have more knowledge and confidence during negotiations, and buyers may be less likely to demand concessions.

Here are a few reasons sellers should consider a pre-listing inspection:

- Identifies issues to address before listing
- Helps you make repairs to make your home more attractive
- Builds buyer confidence
- Leads to smoother, faster closings

A thorough inspection reduces the risk of unpleasant surprises for both buyers and sellers.

## What Do Inspectors Look for in a Home Inspection?

![How to Find and Hire a Qualified Home Inspector](https://d2nnm6ppct4rc3.cloudfront.net/How_to_Find_and_Hire_a_Qualified_Home_Inspector_cc1ac7878b.png)

Home inspections usually last two to four hours, depending on the home’s size and condition, and the inspector’s thoroughness.

Like a doctor during a check-up, inspectors examine major systems and structures for signs of stress or dysfunction. They also evaluate safety and the condition of the home based on its age.

Home inspectors don’t move furniture or open up walls, and they don’t pull apart major appliances like furnaces or water heaters. The inspection is visual only. However, they may perform tests with [specialized tools and devices](https://winfranchising.com/home-inspection-tools-guide/), such as infrared (IR) scanners, moisture meters, gas leak detectors, and voltage indicators. Many also use drones and pole cameras to inspect hard-to-reach areas like the roof.

Remember, a home inspection isn’t about a home passing or failing. It’s about empowering you with clear, unbiased info so you need to decide what to do next.

## Home Inspection Checklist for Inspectors

So, what do inspectors look for during a home inspection? Most professionals follow a [consistent process](https://wini.com/articles/home-buyer-inspection-checklist/). While some details can vary by region or home type, here are the main areas covered during a typical inspection: 

### Exterior

- Foundation and structure
- Drainage around the perimeter
- Roof, gutters, and downspouts
- Siding, trim, paint, and exterior walls
- Windows and exterior doors
- Driveways, walkways, and grading
- Decks, porches, stairs, and handrails

### Interior

- Walls, ceilings, and floors
- Attic ventilation, insulation, and signs of leaks
- Windows and interior doors
- Stairs and railings
- Basements, crawl spaces, and attached garages
- Signs of water damage or moisture

### Major Systems

- Electrical: Outlets, visible wiring, electrical panel (circuit breaker box), grounding
- Plumbing: Fixtures, visible pipes, leaks, drainage, water heater
- HVAC: Furnace, air conditioning, ductwork or other heating elements, and overall performance
- Insulation and ventilation: In attics and crawl spaces

This checklist doesn’t include every detail, but it gives you a solid overview. Inspectors follow lists like this to be thorough and help everyone involved be aware of the home’s condition.

## Final Thoughts

A home inspection is about understanding the property’s condition and knowing what needs attention. Like a physical exam, it’s focused on informed care and prevention.

It’s more than just checking boxes. A home inspection provides buyers, sellers, and homeowners with the insights they need to make confident, informed decisions. It helps turn a potentially stressful step into an empowering one.

WIN Home Inspection is here to guide you through the process. With local expertise, advanced tools, and clear reports delivered fast, WIN helps you move forward with confidence.

Whether you’re buying, selling, or staying on top of maintenance, [schedule your home inspection](https://wini.com/contact-us/) with WIN today.

What Do Home Inspectors Look for When Inspecting Houses?

When you own a home, disaster preparedness is a serious concern. In the U.S., hurricane season officially begins on June 1 and lasts until November 30, affecting millions of people along the Atlantic and Gulf coasts, as well as hundreds of miles inland. Of all weather-related hazards, hurricanes are the most destructive and costly, and they are intensifying. 

Research indicates that disastrous hurricanes are [three times more frequent](https://www.sciencedaily.com/releases/2019/11/191111150639.htm) than they were a century ago, with the proportion of Category 3 or higher hurricanes [doubling since 1980](https://www.american.edu/news/3-facts-and-a-fiction-the-eye-of-the-storm.cfm#). Hurricane storm surges, high winds, and flooding pose the worst threats. However, you can take a proactive approach to protect your home and family. Here’s how to prep for a hurricane.

## Initial Steps During Hurricane Prep 

Although August through October is peak [hurricane season](https://www.noaa.gov/news-release/noaa-predicts-above-normal-2025-atlantic-hurricane-season), storms can and do strike early, so you’ll want to be prepared. Here are some initial steps for your home’s hurricane prep list. 

- **Know your zone:** Determining your evacuation zone is particularly important if you live near the Atlantic or Gulf Coasts. Evacuation zones are often low-lying areas prone to storm surges and flooding. For example, [in Delaware](https://preparede.org/know-your-zone/), evacuation zones are identified as A, B, C, or D. [In Florida](https://www.floridadisaster.org/knowyourzone/), zones are designated from A to F, with A being the most vulnerable and F being evacuated last. Know your zone before a hurricane hits, and get familiar with [National Hurricane Center](https://www.nhc.noaa.gov) (NHC) updates. This step is part of a larger emergency plan that you and your family discuss, ensuring everyone is on the same page regarding where to go and how to communicate. 

- **Create your emergency hurricane prep kit:** Evaluate what you need for a basic disaster supplies kit and emergency equipment, including a backup generator. A more thorough list of hurricane prep kit items is provided below. 

- **Review your insurance policies:** Do you have [adequate coverage for hurricane damage?](https://wini.com/articles/homeowners-insurance-guide/) As discussed below, there is no “hurricane insurance.” You will likely need a combination of separate policies. Confirming this before hurricane season is crucial, especially in vulnerable areas. Plan early because, in some cases, you can’t get coverage for storm-related damage after a specific date. Be aware of the available coverages, the deadlines for coverage, and whether a home inspection report is required. 

## How to Prepare Your Home for a Hurricane 

Reviewing hurricane safety tips and having an emergency plan are vital, but so is preparing your home. Take these steps to help protect your home in the event of a hurricane in your community. 

### Start With Your Home’s Exterior

Review the type of damage that can happen based on the [Saffir-Simpson Hurricane Wind Scale](https://www.nhc.noaa.gov/aboutsshws.php), as even a Category 1 hurricane can create wind speeds between 74 and 95 mph. At this speed, roofing, gutters, and large branches are all a concern, with potential damage worsening as wind speeds increase. 

- Secure loose items like patio furniture, barbecues, and garbage cans or bring them indoors. The same applies to anything in your yard that could become a hazard, such as garden ornaments and planters. 

- Assess trees and remove dead limbs or branches that could fall on your home or your neighbor’s home. If you have a fence or gate, look for missing posts or broken boards that could become airborne. 

- Use plywood sheets across doors and windows or install storm shutters if you don’t already have them. If you have a garage door, ensure it’s reinforced. 

### Inspect and Repair Your Home’s Exterior 

Wind, rain, and debris damage all threaten the strength of your home’s exterior. Consider the following home inspection and repair tips. 

- Inspect your home’s roof for existing damage, such as loose shingles or flashing, since it increases the risk of further damage. The same applies to your siding. Indoors, look for signs of potential roof leaks, such as water stains on the ceiling (especially in the attic).

- Cleaning out gutters and downspouts helps prevent water buildup and potential flooding. 

- If you have electrical systems or appliances on the ground floor, consider moving or elevating them to avoid water damage. 

### Prepare the Interior of Your Home

If you don’t have evacuation orders, you will take shelter in your home during a hurricane. If you do not have a designated shelter room, take refuge in a small interior room, hallway, or closet. You want to stay away from windows and doors, taking shelter from any potential flying debris. 

**Before a storm, here are some steps to prepare your home’s interior:**

- Organize and secure your belongings. Move furniture to the center of the room and remove smaller items, including rugs, to protect them from potential water damage. Put away loose items, such as picture frames and decorative items, and store them in a closet, a bin, or dresser drawers.

- Plan your safe room and consider using a mattress as a protective barrier. Close all interior doors to reduce the roof load. This step helps compartmentalize pressures.

- Clean and fill your bathtub with extra water for use after the storm. You can also freeze water containers to help your fridge and freezer stay cooler during an outage. Prepare your hurricane prep kit (below) and ensure your cell phone is fully charged (with access to a backup power source).

## What to Put in Your Hurricane Prep Kit

Create a disaster supply kit, including the following:

- One gallon of water per person daily (for several days)
- A food supply of non-perishable food and beverages (to last a minimum of seven days)
- Battery-powered radio
- Lighting (battery-powered flashlights and a rechargeable lantern)
- Extra batteries and power banks
- First aid kit 

Additional emergency supplies will depend on your household. Some items, such as sleeping bags, a fire extinguisher, cash, clothing, and sanitizers, apply to everyone. However, you may also need the following based on your household:

- Pet food and water (to last at least seven days)
- Baby supplies
- Medication (for at least two weeks)
- Essential and personal documents (copy of your will, insurance documents, vet records, etc.)

**You can find a comprehensive [hurricane prep kit list here](https://www.floridadisaster.org/planprepare/hurricane-supply-checklist/).**

## Does Insurance Cover Hurricane-Related Damage? 

Homeowners' insurance policies typically cover damage caused by strong winds, including those associated with hurricanes. However, your policy may include a separate deductible for hurricane-related damage, which may be higher than your policy’s standard deductible. 

Several key considerations exist regarding home insurance coverage, including dwelling coverage (to repair damage to your home’s structure), personal property coverage (to repair or replace damaged items), and loss of property use coverage (if you are unable to live in your home and need to relocate). Contact your insurance company to determine what your policy covers and the applicable deductibles.

Know that the cause of damage matters in terms of coverage. If you live in an area prone to flooding, you will likely need a separate flood insurance policy. Learn more about [wind vs. flood damage](https://www.fema.gov/fact-sheet/wind-damage-versus-floodwater-damage-what-you-need-know-when-filing-claim) and confirm details with your provider. Taking this proactive step could mean the difference between coverage and not seeing any payouts, even among those with policies they thought were comprehensive, as seen in North Carolina [after Hurricane Helene](https://www.wired.com/story/hurricane-helene-shows-insurance-industry-that-no-homes-are-safe-north-carolina/).

## What Is a 4-Point Inspection, and Why Does It Matter?

A 4-point inspection gives your insurance company insight into the current condition of your house. It focuses on four major systems: plumbing, electrical, roofing, and HVAC. This inspection process is often recommended when selling a home. It’s typically faster and less thorough than a [full home inspection](https://wini.com/home-buyer/), but it still provides plenty of valuable information. 

If you live in Florida, a 4-point inspection is necessary due to the warm climate and risk of hurricanes. Schedule a 4-point inspection every two years, booking it outside hurricane season. When preparing for this inspection, there is some overlap with your hurricane home prep. 

- Check your HVAC system to ensure it’s functioning as expected. 
- Look for any leaks and associated water damage or pipe deterioration. 
- Fix or replace ungrounded or exposed wiring, as it poses a fire hazard. 
- Have a roofing expert evaluate the current condition of your home, especially if you have shingles. 

If you have an older home, your insurance company usually requires a 4-point inspection before renewing your policy. This process also helps you take proactive action that could later result in costly repairs or insurance claims. This inspection is often a prerequisite if you’re seeking wind mitigation discounts, too. 

**Learn to prepare and [schedule your 4-point inspection](https://wini.com/articles/what-is-and-why-do-you-need-4-point-inspections/).**

## What About Wind Mitigation Inspection? How Does It Help?

Since wind damage is a significant concern during hurricane season, wind mitigation is another inspection you should consider. 

A comprehensive wind mitigation inspection can help identify vulnerable areas that may sustain damage during hurricanes and high winds. Again, if you live in a high-risk state like Florida, insurance companies will require this inspection to obtain new insurance or to renew your policy. 

Completing this inspection can help you cut insurance costs, enhance your property value, and bring peace of mind. WIN Home Inspection services set the standard for [professional Wind Mitigation Inspection](https://wini.com/services/wind-mitigation-inspection/).

Learn more about how you can prepare for hurricane season and why routine home inspections matter with these WIN resources:

- [How to Prepare Your Home for Summer Storm Season](https://wini.com/articles/how-to-prepare-your-home-for-summer-storm-season/)
- [Wind Mitigation Inspection: Storm-Proofing Your Home, Saving on Insurance](https://wini.com/articles/wind-mitigation-inspection/)
- [Importance of Routine Home Inspections](https://wini.com/articles/importance-of-routine-home-inspections/)

**Still have questions? Want to book an inspection? [Contact WIN Home Inspection today!](https://wini.com/contact-us/)**

## Hurricane Preparedness for Homeowners: FAQs

**What should you inspect before hurricane season?**

You should thoroughly inspect your home, paying close attention to your roof, windows, doors, and gutters. You should also book a 4-point and wind mitigation inspection to ensure your home is in the best condition. These professional services will help you pinpoint high-risk concerns. 

**Will my insurance company cover damage caused by hurricanes?**

Whether you’re covered will depend on your property and coverage. Standard home policies typically cover wind damage. However, you will likely need a separate flooding or storm surge protection policy. High-risk coastal areas may also need more specialized insurance. It’s best to discuss your current policy and options with your provider to ensure you’re covered. 

**Why is it important to consider wind mitigation?**

While high winds are typically associated with hurricanes, severe winds can occur at any time, especially in high-risk areas. For this reason, it’s essential to perform routine preventive home maintenance and be aware of any loose debris or unhealthy trees on your property. Assess your roof, windows, doors, and gutters. Your state may also offer home insurance discounts, grants, or tax credits for wind-resistant features.

**Where can I find out more about hurricane home preparedness?**

For more hurricane safety tips and hurricane prep lists, visit:

- FEMA.gov
- Ready.gov
- [National Hurricane Center (NOAA)](https://www.noaa.gov/national-hurricane-center)
- [The National Weather Service](http://weather.gov)


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