Reference
Florida Home Life Expectancy Chart
How long does a roof, HVAC unit, water heater, or appliance really last on the Florida coast? A room-by-room life expectancy chart, with the Florida-adjusted ranges we see in the field.
The Lunar Journal
Guides, explainers & field notes.
Plain-English writing on home inspections, insurance, and protecting a Northeast Florida property — from the Certified Master Inspector who does the work. Prefer a quick answer? Browse the FAQ, the Standards of Practice, or the inspection glossary.
Featured article
Insurance & Savings
Brian Walker, CMI™
Jul 20, 2026
8 min read
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Wind Mitigation & Hurricane-Resilient Roofing: A Florida Homeowner's Guide to Insurance Savings
The cheapest way to lower a Florida hurricane premium isn't a renovation — it's documentation. Here's how a wind mitigation inspection turns your roof into premium credits, feature by feature.
Brian Walker, CMI™
Jul 20, 2026
8 min read
Guides & explainers
More reading, by topic.
Insurance
The 4-Point Inspection Guide
Roof, electrical, plumbing, and HVAC — what Florida carriers look for on a 4-point inspection, when you need one, and what causes a decline.
Insurance
Roof Certification & Requirements
When a carrier asks for a roof certification, what sets remaining roof life, and how to bundle it.
Buyers
The Home Buyer's Inspection Guide
What actually happens during a Northeast Florida buyer's inspection, how to read the report, and how to use it as leverage in your option period.
Sellers
The Pre-Listing (Seller's) Guide
Why sellers order a pre-listing inspection before going to market — fewer surprises, a stronger position, and how it fits Florida disclosure.
New Construction
New Construction & Phase Inspections
Builder warranties don't catch everything. See how phase inspections and the 11-month warranty check protect a brand-new home.
Standards
The 2026 Wind Mitigation Form, Explained
The OIR-B1-1802 read attestation by attestation — what each one documents, what evidence supports it, and why the form edition matters at renewal.
Standards
InterNACHI Standards of Practice
What a Standards of Practice document actually governs, the systems it addresses, the limits it sets — and how it relates to your signed inspection agreement and Florida law.
Insurance
Wind Mitigation FAQ
Quick answers to the most common wind mitigation questions — credits, the form, and what to expect.
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