Insurance Inspections in Texas: What Homeowners Should Know

Windstorm, four-point, and roof certifications affect coverage on the Texas coast and older homes statewide. How they differ from a buyer's inspection.

Buyer's inspections and insurance inspections serve different purposes. A TREC buyer's inspection helps you negotiate repairs; insurance inspections verify insurability and rating factors for your carrier.

Coastal properties may need a Windstorm Inspection (WPI-8) for Texas Windstorm Insurance Association (TWIA) coverage. Older homes elsewhere may trigger four-point inspections covering roof, HVAC, electrical, and plumbing.

Inspectors on Inspect We Trust can often perform buyer inspections and document roof age/condition that insurers request, but confirm your carrier's specific form requirements.

If an insurer mandates repairs, get written quotes before agreeing — some items (polybutylene plumbing, Federal Pacific panels) are common triggers on 1980s–1990s Texas stock.