Denied or Dropped Coverage? How an Inspection Could Help Reinstate Your Policy
If you’ve recently received a notice that your homeowner’s insurance is being denied, not renewed, or dropped, you’re not alone.
Many Florida homeowners face these challenges each year due to rising insurance standards, older homes, or carriers going out of business.
The good news?
A fresh 4-Point or Wind Mitigation inspection can often give you exactly what you need to get reinstated — or approved by a new insurer.
Here’s how the process works and what steps you can take right now.
Why Insurance Companies Deny or Drop Coverage
Insurance carriers in Florida are tightening their guidelines to reduce risk.
Most coverage issues come down to one of these reasons:
Your home is older or hasn’t had a recent inspection
Your last 4-Point or Wind Mit report is outdated
Your carrier noticed a possible roof, HVAC, electrical, or plumbing concern
Your home doesn’t meet current wind-mitigation standards
The insurance company pulled out of Florida or declared insolvency
You switched companies and they require updated documentation
In many cases, the home is perfectly insurable — the company just needs updated proof of its condition.
That’s where inspections come in.
How a 4-Point Inspection Can Help Reinstate Your Policy
If your insurer listed concerns about your plumbing, electrical, HVAC, or roof, a 4-Point Inspection is usually the first step.
A current 4-Point report can:
Show that your systems are safe and functional
Confirm repairs that were made after previous concerns
Provide updated photos and documentation
Help your agent appeal the denial or find a new carrier
Speed up switching to a new insurance company
Even if your last report was only a year old, many carriers ask for a new 4-Point before renewing or reinstating a policy.
How a Wind Mitigation Inspection Can Lower Your Rates (or Help Approval)
If your coverage was denied because your home is considered high risk for wind damage, a Wind Mitigation Inspection can often turn things around.
This report documents protective features like:
Roof shape and condition
Roof-to-wall connections
Impact-resistant windows and doors
Shutters and storm protection
Roof decking attachment
Secondary water barrier
The more wind-resistant features your home has, the easier it is to get approved, and the more money you can save with premium credits.
When You Should Update Your Inspection Reports
You should get a new 4-Point or Wind Mitigation Inspection if:
Your last report is more than 1–3 years old
You recently replaced your roof
You installed new windows, doors, or shutters
Your home’s electrical, HVAC, or plumbing was updated
You were denied or dropped and need documentation today
You’re shopping for better rates or switching carriers
Insurers want the most current snapshot of your home, and updated reports give them that.
What to Do If Repairs Are Needed
Sometimes the inspection may reveal an issue that needs attention before you can get reinstated.
Common examples include:
A water heater over 10 years old
Electrical panels that need updating
Roof wear or missing shingles
Plumbing concerns or active leaks
HVAC systems that aren’t operable
The good news is that most of these repairs are simple and common in older Florida homes.
Once repairs are completed, you can quickly schedule a re-inspection and update your carrier.
Final Thoughts
Getting denied, dropped, or surprised by a non-renewal notice can feel overwhelming, but in many cases, it’s fixable.
A current 4-Point or Wind Mitigation Inspection gives your insurance company the documentation they need to reconsider your home and get your coverage back on track.
At Taylor-Made Home Inspections, we specialize in helping homeowners navigate these moments with clear communication, fast scheduling, and detailed reports that carriers trust.
👉 Schedule Your Insurance Inspection Today
And let’s get your coverage back in place.
