Your Home Inspector in Inverness, FL
Told you need an inspection for your insurance or closing and not sure which one? Call JD Inspections. Jamie is a licensed, insured Florida home inspector (HI9000) who explains your report in plain language and gets it to you fast. We serve Citrus County and surrounding areas within 30 miles.
Most Inverness homeowners need more than one inspection, and knowing what each one checks saves you time and hassle. Call (352) 634-5223 if you'd like help picking the right one.
If you just moved to Inverness, FL, your insurance agent may have handed you a list of inspections you've never heard of. That's normal here. Citrus County has a lot of older and manufactured homes, and insurers often ask for specific inspections on those houses before they'll renew a policy. Picking the right home inspection service starts with knowing what each insurance inspection checks. Plenty of homeowners need more than one.
JD Inspections, LLC was founded in 2015, and our team works with home buyers and homeowners across Citrus County. We do full home inspections for buyers, and we do the insurance inspections Florida insurers ask for: the 4-Point Inspection, Wind Mitigation Inspection, Roof Certification, and Third Nail Retrofit Inspection. Each section below explains who needs it and how it differs from the others, since the names sound alike and that's where most of the confusion starts.
What Our Customers Say
These guys are the best. Special thanks to Joe and his son Joey and to Jamie too. Responsive and accommodating from start to finish. Friendly, smooth, very detailed and thorough. Above and beyond.
– Natasha Savage, Google
Excellent service. Very prompt and respectful. Discussed all aspects of the report in easy to understand language. Highly recommend
– Stuart Le Breton, Google
We've used JD Inspections 2 times now. Jamie and Joe were both excellent people to deal with. Both explained in detail along the way and were very professional and knowledgeable. The thing that stood out was how nice they both were. I highly recommend them! You won't be disappointed.
– Barbara Le Breton, Google
Full Home Inspections for Buyers
Buying a home is one of the biggest purchases you'll make. A full home inspection tells you what you're really getting before you close. It's for you, the buyer, not your insurance company. We look at the roof, the attic, the structure we can see, the electrical system, the plumbing, the water heater, the heating and cooling, and the inside and outside of the house.
Whether the house is a newer build or decades old, Florida's sun, heavy rain, and humidity are hard on roofs, air conditioners, and anything that lets water in. A home inspection helps you find those issues while you still have time to ask the seller for repairs or a credit.
If your insurer also wants a 4-Point or Wind Mitigation Inspection, we can line those up with your home inspection so you're not scheduling separate trips.
4-Point Inspection in Inverness, FL Confirms a Home Is Insurable
A 4-Point Inspection checks four big systems in your home so your insurance company can decide whether to cover it. It's about insurability. The question is simple: is this house a safe bet for the insurer?
Here's what gets checked during a 4-Point Inspection:
- Roof: age, condition, and signs of leaks or wear
- Electrical: the panel, the wiring type, and any obvious hazards
- Plumbing: pipe materials, the water heater, and visible leaks
- HVAC: how old the heating and cooling system is and whether it works
The findings go on the standard form insurers use. It's a focused look at four systems, not a deep dive into every corner of the house. Because so much of the housing around Inverness has some age on it, insurers often ask for a 4-Point Inspection at renewal. That even happens to people who've kept the same policy for years without ever being asked.
A Wind Mitigation Inspection is a different job. It looks for construction features that earn discounts, not insurability risk. Call JD Inspections, LLC to schedule a 4-Point Inspection.
Wind Mitigation Inspection in Inverness, FL Helps Lower Insurance Costs
The 4-Point Inspection asks if your home can be insured. The Wind Mitigation Inspection asks something else: how much can you save on a policy you already have? It's about savings, not insurability.
During a Wind Mitigation Inspection, the inspector documents how your home is built to stand up to wind. Insurers use that state form to figure out your discounts. Items checked include:
- Roof shape, since hip roofs often handle wind better than gable roofs
- Roof-to-wall connections, meaning how the roof is fastened to the walls with clips, straps, or nails
- How the roof deck is attached and what's covering it
- Opening protection, like shutters or impact-rated windows and doors
The paperwork matters more than people expect. If a feature isn't photographed and written down right, the insurer can't give you credit for it. Careful documentation makes the difference.
Inverness is inland, but wind and heavy rain still reach the area during hurricane season. A Wind Mitigation Inspection is often done alongside a 4-Point Inspection in the same visit, which saves you from scheduling two trips. Ask JD Inspections, LLC about pairing both on one appointment.
Roof Certification in Inverness, FL Documents Roof Condition
Say your roof is getting up there in age, but the AC, wiring, and plumbing were all updated recently. Your insurer or lender might not need a 4-Point Inspection at all. They may just want a Roof Certification.
A Roof Certification covers the roof and nothing else. It looks at the roof's age, its condition, and how much useful life it likely has left, resulting in a standalone roof report separate from the rest of the house.
A 4-Point Inspection also includes the roof, but it bundles the roof findings with electrical, plumbing, and HVAC in one document. Those two reports aren't the same thing. Sending the wrong one can stall your policy or closing while you sort it out. If you're not sure which one was requested, ask your agent or lender to put it in writing.
Sellers ask for a Roof Certification too, since buyers and their insurers often want to know where the roof stands. Contact JD Inspections, LLC to find out what's included.
Third Nail Retrofit Inspection in Inverness, FL Verifies a Specific Roof Upgrade
Did someone add an extra nail where your roof meets your walls? If so, a Third Nail Retrofit Inspection can help you get credit for it.
Here's the plain version. In many older homes, the roof trusses are tied to the walls with metal clips that were installed with only two nails. The state wind mitigation form needs at least three nails before it counts a connection as a clip. A third nail retrofit adds that nail at each clip, making it harder for wind to pull the roof loose. A Third Nail Retrofit Inspection confirms the upgrade was done and documents it so it can earn the clip credit on your wind mitigation form.
This inspection checks one narrow retrofit. A Wind Mitigation Inspection covers the full range of roof-to-wall connection types, and the third nail is just one credit inside it.
Older site-built homes in long-established parts of Inverness often predate modern roof-to-wall connection codes. If yours is one of them and the retrofit's been done, don't leave that credit on the table. JD Inspections, LLC can confirm it and provide the documentation.
Call JD Inspections, LLC today to schedule your home inspection in Inverness, FL.
Serving Inverness and All of Citrus County
We serve all cities and towns in Citrus County and surrounding areas within 30 miles, including Inverness, Hernando, Floral City, Crystal River, Homosassa, Lecanto, and Beverly Hills. Not sure we cover your address? Call (352) 634-5223 and ask.
Frequently Asked Questions
Is JD Inspections licensed and insured?
Yes. JD Inspections, LLC is a Florida licensed home inspector (license HI9000) with errors and omissions and general liability insurance. Jamie is also an InterNACHI member.
How long has JD Inspections been in business?
JD Inspections, LLC started in 2015 and serves homeowners across Citrus County.
What areas do you serve?
We serve all cities and towns in Citrus County and surrounding areas within 30 miles. Call (352) 634-5223 if you are not sure your address is covered.
Who will inspect my home?
Jamie DiLeo is the owner and a licensed Florida home inspector. We also have technicians who assist Jamie.
How much does an inspection cost?
The price depends on the inspection and the home. Call (352) 634-5223 or send a request through our contact form and we will give you a quote.
What forms of payment do you accept?
We accept cash, check and cards.
Do you offer discounts?
Yes. We offer military and veteran discounts. Call (352) 634-5223 to ask about yours.
How do I schedule an inspection?
Call (352) 634-5223 or send a request through our contact form. Our office hours are Monday through Friday from 8:30 AM to 5 PM.
Do you inspect businesses as well as homes?
Yes, we inspect both homes and businesses. Call (352) 634-5223 to talk about your property.
Why does my insurance company want so many inspections for one house in Inverness, FL?
Insurers want more paperwork on older and manufactured homes, and Citrus County has plenty of both. You might get asked for a 4-Point, Wind Mitigation, Roof Certification, or Third Nail Retrofit Inspection. Each one answers a different question for your insurer, so you may need more than one.
Can one inspector handle multiple inspections in a single appointment in Inverness?
Yes. JD Inspections, LLC often pairs a 4-Point Inspection and Wind Mitigation Inspection on one visit since both check overlapping parts of your home. This saves you from scheduling separate trips and getting separate reports. Ask when you call which combination makes sense for your situation.