Roof Inspection in Naples, FL
What kind of roof inspection do you need in Naples?
Homeowners in Naples and the rest of Lee and Collier Counties are often asked for a roof inspection, and the names can sound alike. A 4-point inspection, a wind mitigation inspection, and a roof condition report (sometimes called a roof certification for insurance) each answer a different question. This page explains the difference using what Kelly Roofing already publishes on our website, and how to get in touch if you are not sure which one you need.
4-point inspection
On our wind mitigation guide, we explain that a 4-point inspection is not the same as a wind mitigation inspection or a general home inspection. A 4-point inspection is often required for older homes (usually 20 years or older) when a homeowner is applying for a new insurance policy. It covers four systems: HVAC, electrical, plumbing, and the roof. It tells the insurer whether the home is insurable. It does not usually focus on the wind-strengthening details that a wind mitigation inspection is designed to document.
If your insurer has asked for a 4-point inspection, call us at (239) 435-0014. We will help you sort out what you need and what it costs for your home.
Wind mitigation inspection
A wind mitigation inspection is a focused look at how well a building is protected against wind. Florida law requires insurance companies to offer discounts or credits for qualifying features, and those credits are available only after a certified wind mitigation inspection. Our wind mitigation page explains the main areas the inspection covers, including the building code the home was built under, the roof covering, how the roof deck is attached, the roof-to-wall connection, the roof shape, the secondary water barrier, and opening protection (windows, doors, garage doors, and skylights).
The findings are entered on Florida’s wind mitigation form, currently OIR-B1-1802 (Rev. 04/26), which is required for inspections done on or after April 1, 2026. The form is more detailed than the older version and requires photographs. If an inspection was done on the older 2012 form before April 1, 2026, it is generally still valid for up to five years. Insurance companies accept a certified inspection with photographs and permit records; they no longer accept affidavits.
Kelly Roofing can help with five of the main inspection areas. Most of those items are upgraded as part of a standard roof replacement. The remaining two areas relate to when and how the building itself was constructed. For a full walkthrough of deck re-fastening, secondary water barriers, and how a wind mitigation inspection compares with a 4-point or a general home inspection, see our wind mitigation service page and our wind mitigation guide.
Pricing for a wind mitigation inspection depends on the property. Call (239) 435-0014 and we will give you the current fee for your home.
Roof certification and roof condition reports
Many insurers, especially for homes in this part of Florida, ask for documentation that the roof is in adequate condition and has useful life remaining. On our Naples and other city pages, we note that insurers may require roof certification showing the roof meets current building codes, and that homeowners should keep inspection records. The service we publish for this purpose is a roof condition report.
A roof condition report is a detailed assessment by a qualified inspector. The report describes the roofing materials, layers, and structure; any observed damage, deterioration, and leaks; the age and estimated remaining life; the condition of drainage and flashing; photographs; and recommended repairs. Our Roof Condition Report page also explains the Florida insurance rule that, for roofs 15 years or older, a homeowner may have an authorized inspector perform a roof inspection before an insurer requires replacement. If that inspection finds at least five years of useful life left, the insurer cannot refuse to issue or renew the policy based only on roof age.
As published on our Roof Condition Report page, a roof condition report for insurance is $299.
Other inspections we already offer
These are different from the insurance inspections above, and they should not be mixed together:
- An inspection to confirm a replacement price. After you use the Instant Estimate, we inspect the roof to confirm the final price. Our FAQ describes this as a free inspection that follows the online estimate.
- Roofiversary. Our Roofiversary program includes a free inspection every two years, along with maintenance and cleaning, to help keep manufacturer warranty coverage in place. That inspection is part of the program, not an insurance form.
Talk with us about your inspection
If you are a homeowner in Lee or Collier County and you are not sure which inspection you need, call us at (239) 435-0014. We will help you sort out what your insurer is asking for. If you are also looking at a replacement, you can start with an Instant Estimate.
Roof inspections in Naples: common questions
What is the difference between a 4-point inspection and a wind mitigation inspection?
A 4-point inspection covers four systems — HVAC, electrical, plumbing, and the roof — and is often required for older homes when a homeowner is applying for a new policy. It tells the insurer whether the home is insurable. A wind mitigation inspection looks only at wind resistance: the roof covering, deck and roof-to-wall attachments, roof shape, secondary water barrier, and opening protection. It is the inspection used to document features that may qualify for insurance credits. We explain this comparison in our wind mitigation guide.
How much does a roof condition report for insurance cost?
As published on our Roof Condition Report page, a roof condition report for insurance is $299. Fees for a 4-point inspection or a wind mitigation inspection depend on the property; call (239) 435-0014 and we will walk you through the current fee for your home.
What form is used for a wind mitigation inspection?
Florida’s current form is OIR-B1-1802 (Rev. 04/26). It is required for wind mitigation inspections done on or after April 1, 2026, and it requires photographs. An inspection completed on the older 2012 form before that date is generally still valid for up to five years.
Does a free inspection mean the same thing as an insurance roof inspection?
No. The free inspection described on our FAQ is the visit we use to confirm a final replacement price after an Instant Estimate. Roofiversary also includes a free inspection every two years as part of that program. A roof condition report for insurance is a different document, and the published fee for that report is $299.
What areas does Kelly Roofing serve?
Kelly Roofing serves Lee and Collier Counties only.