Habitat Inspects
This program provides tools and education on topics including home insurance and home inspections.
Program participants may be able to reduce their home insurance costs, and uncover home maintenance issues and critical home preservation obstacles.
If your application is approved, you will be eligible to receive a free voucher for a wind mitigation inspection ($150 value) and/or a 4-point inspection ($100 value) based on property status and need.
About wind mitigation inspections:
A wind mitigation inspection examines your home’s resistance to wind and hurricane damage and identifies potential issues.
Did you know… 15% to 70% of your home insurance premium could be attributed to wind-damage risk? (Source: Florida Division of Emergency Management)
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!
About 4-point inspections:
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.
Read on to learn about our criteria and get started!
PROGRAM CRITERIA
Applicants must meet our eligibility requirements to participate. Your home must also meet minimum specifications to participate.
To be eligible, you must:
- meet the income requirement in the table
- be current on your mortgage payments (if applicable)
To be eligible, your home:
- must be your primary residence – owner-occupied
- cannot be a mobile/manufactured home
- must be in Orange or Osceola County
- must meet wind mitigation inspection and/or 4-point inspection criteria to receive voucher
*Please note: The eligibility requirements above are intended to provide an overview, rather than an exhaustive list. Award will be subject to approval of final application and funding availability.
Current income limits
| Family Size | Max Monthly Gross Income | Max Annual Gross Income | |
| One | $4,504 | $54,050 | |
| Two | $5,150 | $61,800 | |
| Three | $5,792 | $69,500 | |
| Four | $6,433 | $77,200 | |
| Five | $6,950 | $83,400 | |
| Six | $7,463 | $89,550 | |
| Seven | $7,979 | $95,750 | |
| Eight | $8,496 | $101,950 | |
Ready to see what benefits you are eligible to receive?
Ready to see what benefits you are eligible to receive? Submit your application and required documents for a FREE wind mitigation and/or 4-point inspection. Spots for qualified applicants are very limited, so don’t wait – apply today!
If your application is approved, you will receive a voucher for a FREE wind mitigation and/or 4-point inspection along with a list of recommended inspectors. Call to schedule your inspection at the time that’s best for you and let them know you have a voucher from Habitat Orlando & Osceola.
Sign up for an upcoming disaster preparedness/home insurance class
Join us for a Habitat U Disaster Preparedness class! This free information session will cover an array of hurricane prep and home insurance resources from local subject experts including:
- Disaster preparedness tips
- 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!
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.
Questions? Contact home@habitatorlando.org or call (407) 648-4567.
This program is made possible by
With support from
