Habitat Inspects
Learn how to reduce your home insurance costs, uncover home maintenance issues, and get through critical home preservation obstacles.
We’re not currently taking applications for this service. To find out when applications reopen and what other home preservation services you may qualify for through Habitat or elsewhere, please sign up to meet with a housing counselor. It’s completely free!
Inspections for Your Roof and Home
Wind Mitigation Inspection
Did you know that 15% to 70% of your home insurance premium could be attributed to wind-damage risk? (Source: Florida Division of Emergency Management)
A wind mitigation inspection examines your home’s resistance to wind and hurricane damage and identifies potential issues. After an inspection, you may receive a premium discount on your home insurance. Savings can range from a few hundred dollars to well over $1,000 a year!
4-Point Inspection
A 4-point inspection covers four crucial areas: HVAC (heating, ventilation, and air conditioning), electrical systems, plumbing, and roofing.
These inspections are required by insurance companies under specific criteria. As homes age, insurance companies require 4-point inspections for new coverage or policy renewal. Beyond the age factor, homes older than three years face an elevated risk of structural and safety issues, which a 4-point inspection can detect.
Program Criteria
Applicants must meet our eligibility requirements to participate. Your home must also meet minimum specifications to participate. *Please note: The eligibility requirements below are intended to provide an overview, rather than an exhaustive list. Award will be subject to approval of final application and funding availability.
Homeowner Requirements
To be eligible, you must:
- meet the income requirements in the table below
- be current on your mortgage payments (if applicable)
Family Size |
Max Monthly Gross Income |
Max Annual Gross Income |
|
| One | $4,921 | $59,050 | |
| Two | $5,621 | $67,450 | |
| Three | $6,325 | $75,900 | |
| Four | $7,025 | $84,300 | |
| Five | $7,588 | $91,050 | |
| Six | $8,150 | $97,800 | |
| Seven | $8,713 | $104,550 | |
| Eight | $9,275 | $111,300 | |
Home Requirements
To be eligible, your home:
- must be your primary residence – owner-occupied
- must be in the selected blue area of the map below (click map for larger view)
- must meet wind mitigation inspection and/or 4-point inspection criteria to receive voucher
Habitat Inspects helps homeowner save $3,300 a year on home insurance
Habitat Orlando & Osceola homeowner Melissa realized she was paying nearly $5,000 a year for her insurance premium, which was putting a huge strain on her, especially while she was living off her savings due to an injury. She quickly set up an appointment with Habitat Orlando & Osceola, where she was referred to the new Habitat Inspects program and signed up to receive a free wind mitigation inspection.
Once the wind mitigation inspection was completed, she worked with Habitat Orlando & Osceola staff to find a more affordable home insurance policy to fit her needs. She now pays about $1,700 a year — a $3,300 savings compared to what she was paying before.
Disaster Preparedness & Home Insurance Class
Join us for one of our Habitat U Disaster Preparedness & Home Insurance classes! This free information session will help you learn how to protect your home from disaster and discover the ABC’s of home insurance.
This free information session will cover an array of hurricane prep and home insurance resources from local subject experts including:
- How to file a claim with a Home Insurance Agent
- Ensure your home is hurricane ready with tips from a Licensed Home Inspector
- What is a 4-Point and Wind Mitigation Inspection, and do I need one?
- How to apply for the Habitat Inspects free wind mitigation and 4-point inspection vouchers
Seating is limited, register today!
Our Sponsors
The Habit Inspects Program is made possible by:
