Brevard County's #1 Insurance Inspection Specialist
Citizens-Accepted 4-Point, Wind Mitigation &
Roof Certifications — Delivered Fast by a 45-Year Construction Professional
4,000+ Inspections Completed
Citizens & All Major Carriers
24-Hour Report Turnaround
45+ Years Construction Experience
Insurance Inspection Services
Whether you’re renewing your homeowner’s policy, switching carriers, or satisfying a Citizens requirement — we have you covered. All reports are Citizens-accepted and delivered within 24 hours.
4-Point Inspection
Required by most Florida insurers for homes 20+ years old. We inspect your roof, HVAC, electrical, and plumbing — and deliver a Citizens-accepted report within 24 hours.
Starting at $120
Wind Mitigation Inspection
Qualify for significant homeowner’s insurance premium discounts by documenting your home’s hurricane-resistant features. Most homeowners save hundreds per year.
Starting at $120
Roof Certification
Citizens and many major carriers require a Roof Certification before issuing or renewing a policy. Our reports use the latest updated Citizens RCF-1 form (March 2025).
Starting at $120
Citizens Insurance Inspections
Citizens Property Insurance requires specific forms and documentation. We’re fully current with all 2025 Citizens inspection requirements — your report won’t be rejected.
Bundle & Save
Beyond Insurance: Comprehensive Full Home Inspections
Whether you’re buying, selling, or investing, you deserve more than a quick insurance check. You need a clear, honest evaluation from someone who’s spent 45 years working right here in Brevard County Florida.
Insurance inspections only cover a few risk‑related items.
A Full Home Inspection looks at the overall condition of the property — structure, safety, and how the major systems are performing. With more than 4,000 inspections completed, Michael Hester focus on the visible components that matter most so you can move forward with confidence.
- Visible Structure, Roof, Foundation & Attic Review
- Electrical, Plumbing & HVAC Components Checked for Basic Function
- Clear Digital Reports with Photos & Straightforward Notes
- BONUS: Full Home Inspections Include a free Wind Mitigation and discounted 4‑Point at No Extra Cost
Certified Professional Qualifications
Licensed & Certified Florida Home Inspector backed by 45 years of real-world residential construction and contracting experience right here in Brevard County.
Why Homeowners & Agents Trust The Brevard Inspector
Built for Florida's Insurance Market
With 45 years of local construction experience, our reports are accurate, detailed, and never rejected by carriers. We know what insurers are looking for.
Citizens-Ready Reports, Every Time
We use Citizens' most current inspection forms — updated March 2025. Your agent won't have to chase us for corrections or re inspections.
Fast Turnaround — 24 Hours or Less
Tight closing deadline or policy renewal coming up? We prioritize speed without sacrificing accuracy. Most reports delivered same-day or next morning.
Plain English, No Fear-Mongering
Every finding explained clearly with photos. No inflated problems, no confusing contractor-speak. You'll understand exactly what we found and what it means.
Licensed & Certified Inspector | 45+ Years in Florida Construction | 4,000+ Inspections Completed
FOR INSURANCE PROFESSIONALS
Insurance Agents: Your Reliable Inspection Partner in Brevard County
When your clients need a Citizens-accepted inspection,
you need an inspector who gets it right the first time — on time. Our 24 hour turnaround keeps your deals moving, and our up-to-date Citizens forms mean zero rejected reports. Ready to establish a referral relationship?
Serving Brevard & Indian River County
We perform insurance inspections throughout Brevard and Indian River County — fast, accurate, and always on time.
Brevard County:
Indian River County:
- Melbourne
- Palm Bay
- Rockledge
- Cocoa Beach
- Merritt Island
- Titusville
- Satellite Beach
- Viera
- Indialantic
- Melbourne Beach
- Cape Canaveral
- Vero Beach
- Sebastian,
- Fellsmere
- Indian River Shores
What Homeowners & Agents Are Saying
Common Questions About Insurance Inspection in Florida
Straight answers — no jargon.
A Florida home inspection covers all major systems and components of the property: the roof, attic, foundation, structural elements, exterior, interior, windows, doors, HVAC system, electrical panel and wiring, plumbing, and water heater. At The Brevard Inspector LLC, every full home inspection also includes a complimentary Wind Mitigation Report — a document your insurance carrier likely requires.
Yes. Citizens Property Insurance requires a 4- Point inspection for most homes that are 20 years of age or older before issuing or renewing a homeowner’s policy. Citizens updated its required 4-point inspection form in March 2025, so it’s important to use an inspector who uses the current form — which we always do.
4-point inspections at The Brevard Inspector LLC start at $120, based on the size of the home. This includes a full inspection of the four critical systems — roof, HVAC, electrical, and plumbing — plus a complete report using the latest Citizens-accepted forms. Reports are typically delivered within 24 hours of the inspection.
A 4-Point Inspection evaluates four key systems: the roof, electrical, plumbing, and HVAC. Florida insurance carriers typically require this report before issuing or renewing a homeowner’s policy on homes over 30 years old — and increasingly on newer homes as well. At The Brevard Inspector LLC, the cost of a 4-Point is discounted with any full home inspection.
A Wind Mitigation Report documents the storm-resistance features of your home — including roof shape, roofing material, roof-to-wall connections, and opening protection. Florida insurers are required by law to offer discounts based on these features, and many homeowners see significant premium reductions. This report is included at no charge with every full inspection.
Absolutely — and it’s a smart way to save time and money. We routinely perform both inspections during a single visit, which means less disruption to your schedule and faster report delivery. Many homeowners bundle a 4-point and wind mitigation inspection together, especially when renewing their policy or switching insurance carriers.
Most single-family home inspections take between 2 and 4 hours, depending on the size and condition of the property. Larger homes or those with more complex systems may take longer. You’re welcome and encouraged to attend.
Your full digital report, complete with photographs, plain-language descriptions, and all required insurance documentation, is delivered the next business day via a secure online link. The report is accepted by every major Florida insurance carrier.
Absolutely. Builder inspections focus on code compliance at specific phases — not on your behalf as a buyer. A new construction inspection before closing gives you an independent evaluation of the home’s condition, helps identify any items the builder should correct, and protects your investment from day one.
Home inspection pricing in the Brevard County area typically ranges from $350 to $500+ depending on home size, age, and type. At The Brevard Inspector LLC, every full inspection includes the 4-Point at a dixcounted rate and Wind Mitigation report at no extra charge — two documents that would cost $150–$300 separately elsewhere. Call (321) 259-2868 for an exact quote.
We serve all of Brevard County including Melbourne, Palm Bay, Viera, Titusville, Cocoa, Rockledge, Merritt Island, Satellite Beach, Indian Harbour Beach, Indialantic, Cape Canaveral, West Melbourne, Cocoa Beach, and surrounding communities. We also serve Indian River County and offer extended coverage in Orange, Osceola, Seminole, and Volusia counties.
Schedule in Minutes
Fill out the form below and Michael will reach out within 1 business hour to confirm your appointment.
Request Received!
Thank you! Michael will reach out to confirm your appointment By the end of the business day Check your email for a copy of your request.
📞 Call Us Now: (321) 259-2868What to Expect
- ✓Confirmation call or text within 1 business hour
- ✓Flexible scheduling — same-day & next-day available
- ✓Michael personally conducts every inspection (no subcontractors)
- ✓Bring your questions — we encourage you to attend
- ✓Full digital report delivered next business day
- ✓All inspections include FREE Wind Mitigation
Email Us Directly
We serve all of Brevard County, Indian River County, and surrounding areas. Not sure if we cover your location? Just ask!
Ready to Schedule Your Inspection?
Serving Melbourne, Palm Bay, Viera, and all of Brevard County. Fast scheduling. Next-day reports. Insurance-ready documentation — included.
Mon–Fri 9AM–5PM (Fri until 3PM) · Melbourne, FL 32934
