The inspection your insurer is asking for.
California's insurance market has tightened — carriers are non-renewing policies and demanding proof of a home's condition before they'll cover it. We perform the 4-point, electrical panel, roof and wildfire-mitigation inspections that keep your policy in place, documented by a Certified Professional Inspector.
InterNACHI® Certified Professional InspectorA 15-year journeyman plumber & licensed contractor reading your home's systems
Coverage in California is harder to keep.
After years of wildfire losses, major carriers have stopped writing new policies and are non-renewing existing ones — and the FAIR Plan keeps growing. The insurers still writing have become far more selective. On a home 20 or more years old, or one with an aging roof or an older electrical panel, they increasingly want proof of condition before they'll bind or renew. That proof is an insurance inspection — and getting it done right, on the carrier's terms, is what we do.
Four inspections insurers ask for
Each one is a focused, photo-documented report — the documentation your insurer requested, done by a CPI.
4-Point Inspection
The standard insurance inspection — a focused report on the four systems carriers care about most, completed on your insurer's form.
- Roof · Electrical · Plumbing · HVAC
- Built for underwriting, not a full home inspection
- Photo-documented, fast turnaround
Electrical Panel Verification
Identifies your panel's brand, type, age and amperage — including the Federal Pacific (FPE) and Zinsco panels insurers refuse to cover.
- FPE, Zinsco & hazard-panel identification
- Amperage & wiring-type documentation
- Inspected by a licensed-contractor tradesman
Roof Condition Inspection
A documented report on roof age, materials, layers and condition — the roof information carriers want before they'll renew.
- Age, material & remaining-life assessment
- Photo record of wear, repairs & flashing
- A condition report — see the note on certifications below
Wildfire Mitigation & Home-Hardening Report
Documents your defensible space and home-hardening features against California's "Safer from Wildfires" measures — for discounts and renewals.
- Defensible space, Zones 0–2
- Roof, vents, eaves, siding & clearances
- Gap analysis to support insurer discounts
Three steps to the documentation you need
Book the inspection
Tell us which inspection your insurer asked for — or send us their letter and we'll tell you what's needed.
We inspect & document
A Certified Professional Inspector evaluates the systems and completes the report — on your carrier's form whenever they provide one.
You send it to your insurer
You receive a clear, photo-documented report to submit to your insurance company, fast.
The right person to read your home's systems
Insurance inspections live or die on the electrical, plumbing and roof detail — exactly where trade experience matters.
Every inspection is performed by a current, verified InterNACHI® Certified Professional Inspector. Verify →
Insurance inspection FAQs
Why is my insurance company asking for an inspection?
What is a 4-point inspection?
Will this guarantee my policy is approved or renewed?
Do you certify my roof?
Can you check my electrical panel for Federal Pacific or Zinsco?
Do you serve all of Santa Barbara County?
Dig deeper into California's insurance landscape
Got a letter from your insurer?
Don't risk your coverage. Book the inspection they asked for — or send us the letter and we'll tell you exactly what's needed.
Coastal Shield performs and documents inspections; it does not issue insurance policies, and coverage decisions rest solely with your insurer. A 4-point inspection reports system condition for underwriting and is not a full home inspection. A roof condition inspection is a point-in-time report, not a warrantied roof certification. Wildfire-mitigation reports document observed conditions against published guidelines and are not an official CAL FIRE or IBHS certification.