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We Specialize in Inspections:

Wind Mitigation Inspections

Roof Certifications

4 Point Inspections


Our customers save thousands of dollars every year on their windstorm insurance premiums.

"My windstorm insurance went from $6,300 to $12,800 prior to the inspection from Florida Wind Mit. Now that I've been inspected, he now pays $4,260!"
"My daughter's windstorm insurance was $6,100 prior to the inspection from Florida Wind Mit. Now that she's been inspected, she now pays $2,200!"
John M. saved $1,500 per year after getting the inspection done from Florida Wind Mit.
John J. saved $300 per year after getting the inspection done from Florida Wind Mit.

Gary W. saved over $600 per year after getting the inspection done from Florida Wind Mit.

Proud member of:


4 Point Inspections

Four Point Inspections in Northwest Florida – Escambia & Santa Rosa Counties

What is a four point inspection?

A “Four Point Inspection” focuses only on four main areas of interest in a home:

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof

The inspection and report describes the condition and age of these elements.

Why do I need a four point inspection?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).

Their common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.

Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.

Is there a standard form to fill out?

There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Carver & Steele have developed a form that meets the requirements of most insurance companies in Northwest Florida. They are signed by a licensed Professionals.

Can I fill out the form myself?

Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor.


Howard J. Steele

3 Easy Steps

  1. Set up an appointment
  1. Do the inspection
  1. Get the report, get the discount.

  Phone: 850-393-9434

  Text msg: 850-393-9434


  General Inquiry;

  Howard J. Steele;   

  Ellen Carver;

  Sara Routh;

FL Licensed Home Inspector:
FL Licensed Building Contractor:

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Carver & Steele provides Home Inspection and Commercial Building Inspection services in Northwest Florida:

Santa Rosa County Florida:

Milton - Pace - Jay - Gulf Breeze - Chumuckla - Bagdad - Allentown - Berrydale - Brownsdale - Cobbtown - East Milton - Fidelis - Floridatown - Harold
Holley - Mount Carmel - Mulat - Munson - Navarre - Oriole Beach - Point Baker - Roeville - Spring Hill - Tiger Point - Wallace - Whitfield - Woodlawn Beach

Escambia County Florida:

Pensacola - Pensacola Beach - Bellview - Brent - Brownsville - Century - East Pensacola Heights - Ensley -  Ferry Pass
Gonzalez - Goulding - Molino - Myrtle Grove - Warrington - West Pensacola - Walnut Hill - Perdido Bay - Perdido Key - McDavid - Navy Point

Okaloosa County Florida:

Cinco Bayou - Crestview - Destin - Fort Walton Beach - Lake Larraine - Laurel Hill
Mary Esther - Niceville - Ocean City - Shalimar - Valparaiso - Wright - Baker - Holt - Milligan - Oak Grove