Picture this: You’re enjoying your morning coffee on your lanai when you notice a dark stain creeping along your soffit. Or maybe you’ve spotted what looks like wood rot near your siding after the last tropical storm rolled through. For Florida homeowners, these discoveries aren’t just cosmetic concerns—they’re warning signs that could signal thousands of dollars in hidden damage.
Your home’s exterior is its first line of defense against Florida’s relentless sun, humidity, torrential rains, and hurricane-force winds. Regular exterior home inspections aren’t just recommended in the Sunshine State—they’re essential for protecting your investment and avoiding costly emergency repairs down the road.
At A&E Remodeling, we’ve been helping Florida homeowners protect their properties for over 25 years. As a licensed and insured contractor (FL CBC031923 & CGC1504594) specializing in exterior solutions, we’ve seen firsthand how proactive inspection saves homeowners thousands while preserving their home’s value and beauty.
In this comprehensive guide, you’ll discover what to look for during an exterior inspection, when to call a professional home inspector, and how regular assessments protect your Florida home from the unique challenges of our climate. Whether you’re a new homeowner, potential buyer, or longtime resident, this guide will help you identify problems early—before they become expensive disasters.
Looking for expert exterior assessment? Schedule a consultation with our team at (727) 329-8107 to discuss your inspection needs and receive peace of mind about your home’s condition.
Why Exterior Home Inspections Matter in Florida
Florida’s climate isn’t just unique—it’s uniquely punishing to home exteriors. Unlike homes in milder climates that might go decades without significant exterior issues, Florida properties face a perfect storm of environmental stressors year-round that require thorough inspection and maintenance.
Florida’s Unique Climate Challenges
Relentless UV Exposure: Florida receives some of the most intense ultraviolet radiation in the continental United States. This constant bombardment breaks down siding materials, fades colors, and degrades protective coatings faster than in northern states. What might last 30 years elsewhere could need replacement in 15-20 years here—a critical consideration for home buyers and current homeowners planning their maintenance budgets.
Extreme Humidity: With average humidity levels ranging from 60-90% depending on the season and location, moisture is a constant threat. This creates ideal conditions for mold, mildew, and wood rot—especially in areas where water can penetrate behind siding, soffits, or fascia. A certified home inspector knows exactly where to check for these hidden issues that can compromise your entire home’s structural integrity.
Salt Air Corrosion: Coastal communities throughout Central Florida and beyond face the additional challenge of salt-laden air. Salt accelerates corrosion of metal components like gutters, fasteners, and flashing, while also degrading certain siding materials over time. Regular inspection helps catch corrosion before it leads to system failure.
Hurricane and Storm Threats: From June through November, Florida homeowners live with the reality of tropical storms and hurricanes. High winds can tear away loose siding, rip off improperly secured soffits and fascia, and overwhelm inadequate gutter systems. A wind mitigation inspection before storm season can identify vulnerabilities and potentially lower your insurance premiums while protecting your property.
Heavy Rainfall Events: Florida’s intense summer thunderstorms can dump several inches of rain in just hours. This tests every aspect of your exterior water management system—from gutters and downspouts to siding drainage planes and foundation grading. An inspection report documenting proper drainage can prevent future water damage claims.
The Cost of Neglecting Exterior Maintenance
When exterior problems go undetected, they rarely stay small. A tiny gap in your soffit allows moisture and pests inside your attic. A missing piece of siding creates an entry point for water that slowly rots your sheathing. A clogged gutter overflows, saturating the soil around your foundation and potentially causing plumbing issues as ground shifts.
According to industry data, homeowners who ignore minor exterior issues often face repair bills 5-10 times higher than if they’d addressed problems early. A $500 soffit repair becomes a $5,000 attic remediation project. A $200 gutter cleaning prevents a $3,000 foundation repair. Regular inspection service helps you catch these potential issues before they escalate.
Beyond the financial impact, exterior deterioration affects your home’s curb appeal, energy efficiency, and resale value. Home buyers and appraisers notice damaged siding, sagging soffits, and overflowing gutters—red flags that often lead to lower offers or failed inspections during the home purchase process.
How Regular Inspections Protect Home Value
Think of exterior inspections as preventive maintenance for your largest investment. Just as you wouldn’t skip oil changes for your car or neglect your HVAC system, you shouldn’t overlook your home’s protective shell.
Regular inspection allows you to:
- Catch small problems before they become emergencies requiring immediate attention
- Plan and budget for necessary repairs instead of facing surprise expenses
- Maintain your home’s curb appeal and marketability for future sale
- Document your home’s condition for insurance purposes and potential claims
- Extend the lifespan of your exterior materials through timely maintenance
- Qualify for insurance discounts through wind mitigation and four-point inspection documentation
For Florida homeowners, this proactive approach isn’t optional—it’s essential protection against our aggressive climate. A thorough home inspection conducted annually provides the peace of mind that comes from knowing your property is properly maintained and protected.
What to Look for in an Exterior Home Inspection
A thorough home inspection examines every component that protects your home from the elements. Here’s what professional inspectors and informed homeowners check during a comprehensive assessment of residential properties.
Siding Condition and Damage Signs
Your siding is your home’s primary weather barrier. Whether you have James Hardie fiber cement, vinyl, wood, or stucco, certain warning signs indicate problems that require inspection:
Visible Damage:
- Cracks, chips, or holes in individual siding panels
- Warping, buckling, or loose sections that could fail during wind events
- Fading or discoloration (especially uneven patterns indicating moisture issues)
- Peeling paint or finish deterioration
- Missing or damaged pieces creating water intrusion points
Hidden Problems:
- Soft spots that indicate moisture intrusion behind siding
- Gaps between siding and trim where water can enter
- Improperly sealed seams or joints
- Inadequate clearance from ground level (should be 6-8 inches minimum to prevent moisture wicking)
Florida-Specific Concerns:
- Storm damage from flying debris or wind uplift
- UV degradation causing brittleness in vinyl siding
- Moisture damage behind siding in high-humidity areas
- Pest entry points (termites, carpenter ants, rodents)
- Salt air corrosion on coastal properties
What to do: Walk around your entire home at least twice yearly, examining siding at eye level and from a distance. Use binoculars to inspect upper stories. Document any concerns with photos and dates for your inspection report.
When to call a professional: If you notice multiple damaged areas, soft spots indicating water intrusion, or widespread deterioration, contact a licensed and insured contractor or home inspector for a detailed assessment. At A&E Remodeling, our siding specialists can evaluate whether you need repairs or full replacement and provide guidance on the best materials for Florida building codes.
Soffit and Fascia Assessment
Often overlooked during basic home inspections, your soffit and fascia play critical roles in protecting your roof structure and providing attic ventilation—key components in any thorough inspection.
Soffit Inspection Points:
- Check for sagging, which indicates water damage or failed fasteners
- Look for water stains, discoloration, or visible mold/mildew growth
- Ensure ventilation holes aren’t blocked by paint, debris, or pest nests
- Examine for peeling paint, rot (especially on wood soffits), or corrosion (aluminum)
- Verify no gaps exist between soffit and wall where pests can enter
Fascia Inspection Points:
- Inspect for rot, especially where gutters attach and water exposure is constant
- Check for separation from the roof structure
- Look for paint failure or exposed bare wood that could lead to deterioration
- Examine gutter attachment points for pulling away or water damage
- Verify fascia is straight and properly aligned (sagging indicates structural issues requiring immediate attention)
Florida Considerations: The combination of intense sun exposure and moisture from afternoon storms makes soffit and fascia particularly vulnerable in Florida. Wood materials are especially susceptible to rot in our climate, which is why many homeowners transition to fiber cement or vinyl alternatives during replacement—a common recommendation in inspection reports for Florida homes.
What to do: Inspect soffits and fascia from ground level using binoculars, paying special attention to areas that receive direct rain exposure or remain shaded (where moisture lingers). Conduct this inspection at least twice yearly as part of your routine home maintenance.
When to call a professional: Any signs of rot, significant sagging, or pest intrusion require immediate professional evaluation. Damaged soffit and fascia can allow water into your attic and walls, creating expensive secondary damage. Our soffit and fascia experts can assess damage and recommend appropriate repairs that meet Florida building standards.
Gutter System Evaluation
Florida’s heavy rainfall makes properly functioning gutters absolutely essential for protecting your foundation, landscaping, and exterior walls. Gutter inspection should be part of every comprehensive home inspection.
Gutter Inspection Checklist:
- Clear all debris (leaves, twigs, granules from shingles)
- Check for proper pitch toward downspouts (water should flow, not pool)
- Look for rust, corrosion, or holes (especially at seams in sectional gutters)
- Examine gutter attachment points for pulling away from fascia
- Verify no sagging sections exist that could overflow during heavy rain
- Ensure end caps are secure and sealed properly
Downspout Assessment:
- Check that downspouts are securely attached to the building
- Verify downspouts direct water at least 4-6 feet away from foundation
- Ensure no clogs exist (run water through to test flow)
- Look for splash blocks or extensions at ground level to prevent pooling
Florida-Specific Concerns:
- Capacity issues during intense summer storms (may need 6″ or 7″ gutters instead of standard 5″)
- Algae and mildew growth in constantly moist environments
- Storm damage from falling branches or wind
- Overflow during heavy rains indicating inadequate downspout placement or clogging
What to do: Clean gutters at least twice yearly (more if you have overhanging trees). During heavy rain, walk around your home to observe gutter performance—overflowing indicates capacity or clog issues that need addressing.
When to call a professional: If gutters consistently overflow, pull away from your home, or show signs of significant corrosion, it’s time for professional evaluation and inspection service. Our seamless gutter installation services provide custom-fabricated solutions that eliminate leak-prone seams and properly handle Florida’s rainfall intensity.
Roofing Exterior Elements
While a full roof inspection requires professional assessment from a qualified inspector, homeowners can identify certain exterior roofing concerns from ground level that should be included in any inspection report.
Visible Roofing Issues:
- Missing, damaged, or curling shingles that could allow water penetration
- Excessive granule loss (bare spots on shingles indicating age or damage)
- Damaged or missing flashing around chimneys, vents, or valleys
- Daylight visible through roof boards from attic inspection
- Moss or algae growth (common in humid climates like Florida)
Edge and Transition Points:
- Examine roof-to-wall transitions for proper flashing installation
- Check where different roof planes meet (valleys) for debris accumulation
- Inspect around penetrations (vents, pipes, skylights) for seal integrity
- Verify drip edge is intact and properly positioned to direct water away
What to do: Use binoculars to inspect your roof from ground level during your routine inspection. Never walk on your roof yourself—this is dangerous and can cause damage to roofing materials.
When to call a professional: Any visible damage, missing shingles, or signs of leaking require immediate professional roofing inspection. A roof certification inspection may be required for insurance purposes or home purchase transactions. While A&E Remodeling specializes in siding, soffits, and gutters, we can refer you to trusted roofing partners when your inspection reveals roofing needs.
Trim and Flashing Inspection
Trim and flashing create critical weatherproof seals where different building materials meet—essential components of any thorough inspection.
Trim Assessment:
- Check all trim boards for rot, especially at corners and bottom edges where water collects
- Look for gaps between trim and siding/windows/doors that could allow water intrusion
- Examine caulking for cracking, shrinking, or failure
- Verify paint is intact (bare wood absorbs moisture and deteriorates rapidly)
Flashing Inspection:
- Inspect flashing above windows and doors for proper installation and seal
- Check that flashing directs water away from openings rather than allowing penetration
- Look for rust or corrosion on metal flashing components
- Verify flashing isn’t covered by siding (should overlap properly per Florida building codes)
Florida Considerations: The combination of intense UV and moisture makes caulk and sealants deteriorate faster in Florida. What might last 10 years elsewhere may need replacement in 5-7 years here—a common finding during residential home inspections in our climate.
What to do: Inspect trim and caulking during your regular exterior walk-around inspection. Test caulk by pressing it—if it’s hard and cracked rather than flexible, it needs replacement to maintain proper sealing.
When to call a professional: Widespread trim rot or improperly installed flashing requires professional correction to prevent water intrusion. These issues often appear in inspection reports during home purchase evaluations and should be addressed promptly.
Foundation and Drainage Issues
While not technically part of your exterior cladding, foundation and drainage problems often manifest through exterior symptoms and should be part of any comprehensive inspection.
Foundation Warning Signs:
- Cracks in foundation walls (especially horizontal or stair-step patterns)
- Separation between foundation and siding
- Soil erosion near foundation perimeter
- Water pooling around foundation after rain events
- Efflorescence (white mineral deposits) on foundation surfaces
Drainage Assessment:
- Verify ground slopes away from home (minimum 6 inches over 10 feet)
- Check that downspouts discharge away from foundation adequately
- Look for low spots where water pools near home
- Ensure window wells have proper drainage systems
- Verify crawl space vents aren’t blocked by debris or landscaping
Florida Considerations: Sandy soil in many Florida locations drains well but can shift, while clay soils in other areas may hold water. Florida’s high water table also creates unique drainage challenges that require careful inspection and monitoring.
What to do: Walk your property during and after heavy rain to observe water flow patterns as part of your inspection process. Water should move away from your home, not toward it or pool near the foundation.
When to call a professional: Foundation cracks, persistent water pooling, or drainage problems require professional evaluation—these can indicate serious structural issues. A home inspector with proper certification can assess whether you need foundation specialists or if drainage improvements will resolve the issues.
DIY vs. Professional Exterior Inspections
Understanding what you can safely assess yourself versus when to call in experts helps you maintain your home effectively while avoiding unnecessary risks. Both approaches have value in a comprehensive inspection strategy.
What Homeowners Can Check Themselves
Safe DIY Inspection Tasks:
Ground-Level Visual Inspection:
- Walk your home’s perimeter examining siding, foundation, and lower trim
- Use binoculars to inspect upper stories, soffits, and roofline without climbing
- Check gutters and downspouts from ground level for visible damage
- Document findings with photos and notes for your personal inspection report
- Test downspouts by running water through them to verify flow
Basic Maintenance Tasks:
- Clean gutters and downspouts (if single-story and comfortable with ladder safety)
- Remove debris from against siding to prevent moisture retention
- Clear vegetation touching home exterior
- Test caulking and note areas needing attention
- Hose down siding to remove dirt and mildew buildup
Simple Documentation:
- Create a seasonal inspection checklist for consistent monitoring
- Take dated photos of your home’s exterior from all angles
- Keep records of when maintenance was performed
- Note any changes between inspections to track deterioration patterns
Safety Guidelines for DIY Inspection:
- Never walk on your roof—leave that for qualified inspectors
- Use proper ladder safety (stable ground, 3-point contact, don’t overreach)
- Don’t conduct inspection during wet or windy conditions
- Know your physical limits—if you’re not comfortable, don’t do it
- Never attempt repairs on upper stories without proper equipment and training
When to Call a Professional Home Inspector
Certain situations require the expertise, equipment, and insurance coverage that only licensed and insured professionals provide. A certified home inspector brings specialized knowledge and tools to conduct a thorough inspection.
Professional Inspection Recommended:
After Major Weather Events:
- Following hurricanes or tropical storms that may have caused hidden damage
- After significant hail or wind events
- Following tornado warnings in your area
- After falling trees or large branches impact your home
- When wind mitigation inspection is needed for insurance purposes
When Buying or Selling:
- Pre-purchase inspections identify issues before closing on a home purchase
- Pre-listing inspections let you address problems proactively
- Professional documentation provides negotiating leverage for buyers
- Inspection results can affect home insurance rates and qualification
Suspected Hidden Damage:
- Water stains inside your home with unknown exterior source
- Unexplained energy bill increases (may indicate air leaks or HVAC issues)
- Pest activity suggesting exterior entry points
- Musty odors indicating hidden moisture problems or potential leak
Complex or High-Risk Areas:
- Multi-story homes requiring specialized equipment for safe inspection
- Steep or complex roof configurations
- Areas requiring removal of components to inspect properly
- When suspected damage may affect structural integrity or systems and components
Before Major Investments:
- Prior to exterior painting (to ensure you’re not covering problems)
- Before installing new siding over existing (to verify substrate condition)
- When planning additions or renovations affecting exterior
- Before making insurance claims for storm damage
For Specialized Inspection Services:
- Wind mitigation inspection to document storm-resistant features
- Four-point inspection (4 point inspection) covering roof, electrical, plumbing, and HVAC
- Insurance inspections required by carriers
- Roof certification for insurance or home purchase requirements
- New construction inspection to verify proper installation
Benefits of Expert Assessment
Professional home inspectors and contractors bring several advantages to the inspection process:
Specialized Knowledge:
- Recognize subtle warning signs homeowners might miss
- Understand how different systems and components interact
- Know Florida-specific concerns and building codes
- Identify potential issues in early stages before they’re obvious
- Provide qualification and certification documentation when required
Proper Equipment:
- Specialized ladders and safety equipment for safe high-access inspection
- Moisture meters to detect hidden water intrusion
- Thermal imaging to identify insulation or air sealing issues
- Proper lighting and magnification for detailed inspection
- Tools to test electrical system, plumbing, and other components
Comprehensive Evaluation:
- Systematic approach ensures nothing is overlooked during inspection
- Written inspection report documents findings with photos
- Prioritized recommendations help you plan and budget
- Professional liability insurance protects you from errors
- Professionalism and thoroughness you can rely on
Cost-Benefit Analysis:
- Early problem identification saves money long-term
- Professional repairs done right the first time
- Proper diagnosis prevents addressing symptoms instead of causes
- Documentation valuable for home insurance claims or resale
- Can uncover hidden issues that DIY inspection would miss
At A&E Remodeling, our free consultations include a thorough exterior assessment by experienced professionals who understand Florida’s unique challenges. We’ll identify current issues, explain their implications, and provide honest recommendations—even if that means telling you to wait before major work is needed. While we specialize in exterior solutions rather than full home inspections, we can guide you to qualified home inspection companies when comprehensive inspection service is needed.
Ready for a professional assessment? Call us at (727) 329-8107 to schedule your free exterior inspection and discuss your inspection needs.
Seasonal Inspection Timing for Florida Homes
Unlike northern climates with four distinct seasons, Florida’s weather patterns create unique optimal times for exterior inspections and maintenance. Understanding when to conduct an inspection maximizes protection and efficiency.
Pre-Hurricane Season (April-May)
Why This Timing Matters:
Hurricane season officially runs June 1 through November 30, with peak activity August through October. Conducting inspection in April-May gives you time to complete repairs before storm threats arrive and helps you prepare for potential wind mitigation inspection requirements.
Pre-Season Inspection Focus:
- Verify all siding is secure with no loose sections that wind could catch
- Check that soffits and fascia are firmly attached to resist wind uplift
- Ensure gutters and downspouts are securely fastened and clear of debris
- Inspect for and repair any weak points where wind-driven rain could penetrate
- Trim trees and vegetation away from home exterior to prevent storm damage
- Verify you have proper storm shutters or impact-resistant protection
- Review your home insurance coverage and ensure inspection documentation is current
Maintenance Tasks:
- Deep-clean gutters and test downspout flow capacity
- Repair any damaged siding, trim, or flashing identified during inspection
- Repaint or re-seal as needed to protect against moisture
- Document your home’s condition with photos for insurance purposes
- Consider scheduling wind mitigation inspection if not recently completed
Why A&E Recommends This: Contractors are less busy in spring, so you’ll get faster inspection service and scheduling flexibility. Waiting until summer means competing with storm damage repairs and longer waits for both inspection and repair work.
Post-Hurricane Season (November)
Why This Timing Matters:
Even if no major storms hit your specific area, the cumulative effect of a season’s worth of heavy rains, high winds, and intense sun takes a toll. November inspection identifies any damage before winter visitors arrive and while weather is pleasant for outdoor work.
Post-Season Inspection Focus:
- Look for new damage from storms (even minor ones cause wear)
- Check for loosened fasteners or shifted materials
- Inspect for water intrusion signs that may have developed
- Verify no debris remains in gutters or on roof
- Assess overall wear and plan for next year’s maintenance
- Review inspection results to prioritize repairs
Maintenance Tasks:
- Address any storm damage discovered during inspection
- Clean and inspect gutters again after leaf-fall
- Touch up paint or sealant as needed
- Plan major projects for winter/spring completion
- Update inspection report with current condition
Why A&E Recommends This: November gives you time to address issues before holiday visitors arrive and before contractors book up for winter projects. It’s also comfortable weather for thorough inspection and outdoor work.
Annual Maintenance Schedule
Beyond the two critical inspection periods, Florida homeowners should maintain a year-round awareness through regular inspection:
Quarterly Quick-Checks (February, May, August, November):
- 30-minute walk-around visual inspection of exterior
- Gutter check and cleaning if needed
- Note any changes since last inspection
- Test downspouts during or after rain events
After Significant Weather Events:
- Following any named storm that affects your area
- After severe thunderstorms with high winds
- Following hail events that could damage roofing or siding
- After tornado warnings to check for wind damage
Bi-Annual Deep Cleaning:
- Pressure wash siding, soffits, and walkways (spring and fall)
- Clean and treat for mildew/algae as needed
- Inspect while cleaning for hidden problems or potential issues
- Document condition through photos for inspection records
Annual Professional Assessment:
- Schedule comprehensive professional home inspection
- Rotate focus: one year emphasize siding, next year gutters, etc.
- Maintain relationship with trusted local contractor or inspector
- Keep detailed inspection report records of findings and work performed
- Update four-point inspection and wind mitigation inspection as needed for insurance
Florida Pro Tip: Schedule major exterior work for October through April when temperatures are milder, humidity is lower, and afternoon thunderstorms are less frequent. Materials cure better, paint adheres properly, and workers are more productive in comfortable conditions—factors that affect inspection results and repair quality.
Common Exterior Problems Found in Florida Homes
Understanding the most frequent issues helps you know what to watch for during your inspections. These problems appear regularly in inspection reports for Florida properties and require prompt attention.
Moisture Damage and Rot
The Problem:
Florida’s combination of high humidity, frequent rain, and warm temperatures creates ideal conditions for wood rot, even on treated lumber. Moisture trapped behind siding or in unventilated soffits leads to decay that compromises structural integrity—a common finding during thorough home inspections.
Where It Occurs:
- Wood siding, especially near ground level or under roof overhangs
- Wood trim around windows and doors where water can collect
- Soffit and fascia boards, particularly where gutters attach
- Any wood in contact with masonry or concrete (wicks moisture upward)
- Areas with failed caulking or flashing that allow water penetration
Warning Signs:
- Soft, spongy wood when pressed during inspection
- Discoloration or staining indicating water exposure
- Paint that bubbles or won’t adhere properly
- Visible fungal growth or mildew
- Musty odors emanating from exterior walls
- Insect activity (termites, carpenter ants attracted to rotted wood)
Prevention & Solutions:
- Maintain proper clearance between ground and wood (6-8 inches minimum)
- Ensure adequate ventilation in soffits and attic spaces
- Keep gutters clean and functioning to prevent overflow
- Repair caulking and flashing promptly when inspection reveals deterioration
- Consider moisture-resistant materials like James Hardie fiber cement for replacements
UV Degradation
The Problem:
Florida’s intense sunlight breaks down materials faster than in northern climates. UV radiation causes fading, brittleness, and deterioration of protective coatings—issues frequently noted in inspection reports for homes throughout Central Florida and beyond.
Affected Materials:
- Vinyl siding (becomes brittle, cracks, fades significantly)
- Paint and stains (fade, chalk, peel prematurely)
- Caulking and sealants (harden, crack, fail to seal)
- Plastic or vinyl components (soffit vents, trim, shutters)
Warning Signs:
- Significant color fading, especially on south and west exposures
- Chalky residue when you rub siding or trim during inspection
- Brittle vinyl that cracks easily when pressed
- Hardened, non-flexible caulking that crumbles
- Warping or distortion of vinyl materials
Prevention & Solutions:
- Choose UV-resistant materials (fiber cement doesn’t fade like vinyl)
- Select lighter colors that reflect rather than absorb UV radiation
- Use high-quality paints and sealants rated for Florida sun exposure
- Plan on shorter replacement cycles than manufacturer estimates based on northern climates
- Consider awnings or overhangs for intense south/west exposures
Salt Air Corrosion
The Problem:
Coastal Florida homes face accelerated corrosion from salt-laden air. Salt particles settle on metal surfaces and, combined with humidity, create highly corrosive conditions—a particular concern in Pinellas County and other coastal areas.
Affected Components:
- Aluminum gutters and downspouts
- Metal flashing around roof penetrations and windows
- Fasteners (nails, screws holding siding/trim)
- Metal siding or trim components
- Hardware (hinges, latches, outdoor fixtures)
Warning Signs:
- White, powdery corrosion on aluminum surfaces
- Rust stains on or below metal components
- Pitting or deterioration of metal surfaces visible during inspection
- Staining on siding below metal flashing or gutters
- Fasteners failing or pulling through materials
Prevention & Solutions:
- Choose corrosion-resistant materials (stainless steel fasteners, vinyl gutters, or marine-grade aluminum)
- Regularly rinse salt accumulation with fresh water
- Apply protective coatings to vulnerable metal components
- Replace corroded components before they fail completely
- Consider non-metal alternatives in high-exposure coastal areas
Pest Intrusion Points
The Problem:
Florida’s year-round warm climate means pests remain active constantly. Any gap or opening in your exterior becomes an entry point for termites, carpenter ants, rodents, and other destructive pests—issues that home inspectors specifically check for during residential inspections.
Common Entry Points:
- Gaps where siding meets foundation or trim
- Damaged or missing soffit sections
- Areas of rotted wood that pests can easily penetrate
- Improperly sealed penetrations (pipes, vents, cables)
- Gaps around windows and doors
- Torn or missing vent screens
Warning Signs:
- Visible gaps or holes in exterior during inspection
- Mud tubes on foundation (subterranean termites)
- Sawdust or frass (termite/carpenter ant waste)
- Gnaw marks on wood trim or siding
- Sounds of activity in walls or attic
- Pest sightings around home exterior perimeter
Prevention & Solutions:
- Seal all gaps and openings with appropriate materials
- Maintain proper ground clearance (wood should be 6-8″ above soil)
- Repair damaged siding, soffits, and trim promptly when inspection reveals issues
- Keep vegetation trimmed away from home exterior
- Ensure vent screens are intact and properly secured
- Work with pest control professionals for comprehensive protection and regular inspection
Storm Damage Indicators
The Problem:
Even when your home appears to have survived a storm intact, hidden damage may exist that will cause problems later—issues that wind mitigation inspection and post-storm inspection can uncover.
Types of Storm Damage:
- Wind uplift loosening siding or soffit fasteners
- Impact damage from flying debris during high winds
- Water intrusion from wind-driven rain penetrating small openings
- Gutter damage from falling branches or wind stress
- Shifted or displaced materials that appear okay but no longer function properly
Warning Signs:
- Siding or trim that looks slightly “off” or uneven after storms
- New gaps where materials meet that weren’t present before
- Fasteners that appear raised or loosened
- Water stains inside home that weren’t present before storm
- Gutters pulled away from fascia or showing separation
- Dents or punctures in siding from impact
Prevention & Solutions:
- Inspect carefully after any significant storm event
- Document damage immediately with photos for insurance purposes
- Contact insurance company for significant damage requiring claims
- Make temporary repairs to prevent further damage while awaiting inspection
- Hire licensed and insured contractor for permanent repairs (required for insurance claims)
- Consider impact-resistant upgrades when replacing damaged materials
- Maintain current wind mitigation inspection documentation for insurance discounts
A&E Remodeling’s Storm Damage Experience: In our 25+ years serving St. Petersburg and Pinellas County, we’ve helped hundreds of homeowners recover from storm damage. We work directly with insurance companies and understand Florida’s specific requirements for storm-resistant construction and proper inspection procedures.
Understanding Different Types of Florida Home Inspections
Florida homeowners and buyers may encounter several types of specialized inspection services beyond basic exterior assessment. Understanding these different inspections helps you determine what your home needs.
General Home Inspection
A comprehensive home inspection examines the entire home’s condition, including structure, systems, and components. A qualified home inspector evaluates:
- Structural elements (foundation, framing, roof structure)
- Exterior (siding, trim, gutters, grading, drainage)
- Roofing materials and condition
- Plumbing system (supply, waste, water heater)
- Electrical system (panel, wiring, outlets, fixtures)
- HVAC system (heating and cooling equipment)
- Interior (walls, ceilings, floors, windows, doors)
- Insulation and ventilation
- Built-in appliances
When needed: Before home purchase, before selling, or periodically for maintenance planning. Most home buyers require this inspection before closing.
What you receive: A detailed inspection report documenting condition, defects, and recommendations for repairs or further evaluation by specialists.
Four-Point Inspection (4 Point Inspection)
This focused inspection examines the four major systems most important to insurance companies:
- Roof: Age, condition, remaining lifespan, materials
- Electrical System: Panel type, wiring, capacity, safety
- Plumbing: Supply lines, waste lines, water heater age and condition
- HVAC: Heating and cooling system age, condition, operation
When needed: Often required by insurance companies for homes over 30 years old, when changing insurance carriers, or for insurance purposes when purchasing older homes.
What you receive: A brief inspection report (typically 2-4 pages) with photos documenting the condition of these four systems.
Insurance impact: Results affect your ability to obtain or maintain home insurance coverage and may impact insurance premiums.
Wind Mitigation Inspection
This specialized inspection documents features that make your home more resistant to hurricane damage. A certified inspector evaluates:
- Roof covering type and attachment method
- Roof deck attachment (how roof decking attaches to trusses)
- Roof-to-wall connection (how roof structure attaches to walls)
- Roof geometry (shape and complexity)
- Secondary water resistance (underlayment protection)
- Opening protection (impact-resistant windows, shutters)
When needed: To qualify for insurance discounts, after installing storm-resistant improvements, when purchasing a home in Florida, or when insurance companies request documentation.
What you receive: A standardized wind mitigation inspection form (OIR-B1-1802) documenting your home’s wind-resistant features.
Insurance impact: Can reduce insurance premiums significantly (often 10-45% depending on features documented). The inspection investment typically pays for itself within 1-2 years through premium savings.
Roof Certification
A roof certification inspection specifically evaluates roof condition and estimates remaining lifespan. The inspector examines:
- Overall roof condition and integrity
- Shingle or tile condition and attachment
- Flashing condition around penetrations
- Underlayment condition (if accessible)
- Signs of leaks or water damage
- Estimated remaining years of serviceable life
When needed: Required by many insurance companies, especially for older roofs. Often needed when purchasing a home or when an insurance inspection reveals roof concerns.
What you receive: A certification letter or report from a licensed inspector stating the roof’s condition and estimated remaining lifespan.
Insurance impact: Many insurers require roof certification for roofs over 15-20 years old. Poor certification results may require roof replacement to maintain coverage.
Commercial Property Inspections
For businesses and commercial buildings, commercial inspection services are more extensive than residential home inspections and include:
- All systems covered in residential inspection
- Commercial HVAC systems (often more complex)
- Commercial electrical systems (higher capacity, 3-phase power)
- Fire suppression and safety systems
- ADA compliance issues
- Parking and site drainage
- Commercial roofing systems
- Specialized equipment or systems unique to the property type
When needed: Before purchasing commercial property, during lease negotiations, for insurance purposes, or as part of regular maintenance planning.
What you receive: Comprehensive inspection report tailored to commercial property needs, often more detailed than residential reports.
Manufactured Home Inspection
Manufactured homes (mobile homes) require specialized inspection knowledge due to their unique construction. A qualified inspector examines:
- Chassis and frame condition
- Tie-down system and anchoring
- Underbelly and vapor barrier
- HVAC system (often different from site-built homes)
- Plumbing specific to manufactured construction
- Electrical system and panel
- Roof condition and attachment
- Skirting and ventilation
When needed: Before purchasing a manufactured home, for insurance purposes, or when financing requires inspection.
What you receive: Inspection report addressing manufactured home-specific concerns and compliance with HUD standards.
New Construction Inspection
Even new homes benefit from professional inspection before closing. The inspector verifies:
- Work completed per plans and specifications
- Building code compliance
- Proper installation of all systems and components
- Finish quality and workmanship
- Identification of construction defects before warranty periods begin
When needed: Before final closing on new construction, at key construction phases, or before warranty expiration.
What you receive: Detailed inspection report identifying any defects or incomplete work requiring builder correction.
Choosing the Right Home Inspector
When you need professional inspection service, selecting a qualified home inspector is crucial. Look for:
Proper Credentials:
- Licensed home inspector (Florida requires licensure)
- InterNACHI (International Association of Certified Home Inspectors) certification
- Specialized certifications for wind mitigation, four-point, or other specific inspections
- Errors and omissions insurance coverage
Experience and Expertise:
- Experience with Florida-specific construction and concerns
- Knowledge of local building codes and requirements
- Familiarity with your property type (residential, commercial, manufactured)
- Track record of thorough, reliable inspection work
Comprehensive Service:
- Detailed written inspection report with photos
- Availability to answer questions during and after inspection
- Professional equipment and inspection tools
- Willingness to let you attend the inspection to learn about your home
What to Expect:
- Most residential home inspections take 2-4 hours depending on home size
- Commercial inspection or specialized inspections may take longer
- You should receive your inspection report within 24-48 hours
- The inspection process should be thorough, not rushed
At A&E Remodeling, while we don’t provide full home inspection services, we can refer you to trusted home inspection companies in the St. Petersburg and Pinellas area when you need comprehensive inspection. Our exterior assessments complement general home inspections by providing detailed evaluation of siding, soffits, fascia, and gutters—our areas of specialization.
What Happens After the Inspection
Discovering exterior problems during inspection can feel overwhelming, but a systematic approach to addressing issues makes the process manageable and helps you prioritize effectively.
Prioritizing Repairs Based on Inspection Results
Not all exterior issues identified in your inspection report require immediate action, but some demand urgent attention. Here’s how to prioritize:
Immediate Action Required (Safety/Severe Damage):
- Active water intrusion into living spaces creating immediate risk
- Structural damage affecting home stability
- Extensive rot compromising load-bearing components
- Large openings allowing pest entry or weather exposure
- Electrical hazards from damaged exterior components
- Missing siding/roofing creating weather exposure to interior
Urgent (Address Within 1-3 Months):
- Moderate rot in soffits, fascia, or trim that will worsen rapidly
- Failed flashing allowing water behind siding
- Gutters pulling away from home or not functioning properly
- Widespread caulking failure creating multiple water entry points
- Significant siding damage affecting multiple areas
- Problems likely to worsen rapidly in Florida climate
Important (Address Within 6-12 Months):
- Minor siding damage in limited areas
- Paint failure requiring repainting for protection
- Aging but still functional gutters showing wear
- Cosmetic issues affecting curb appeal and home value
- Preventive upgrades before problems develop into major issues
Maintenance/Planning (1-2+ Years):
- Upgrades to improve efficiency or appearance
- Replacement of aging materials still functioning adequately
- Preventive replacements before failure occurs
- Aesthetic improvements for future sale or personal enjoyment
How to Decide: A qualified contractor or home inspector can help you properly prioritize based on inspection findings. At A&E Remodeling, we provide honest assessments that distinguish between “needs” and “wants,” helping you make informed decisions based on your budget and timeline while addressing critical issues first.
Understanding Repair vs. Replacement
One of the most common homeowner questions after receiving an inspection report: “Should I repair or replace?”
When Repair Makes Sense:
- Damage is localized to small area identified in inspection
- Overall system is relatively new and in good condition
- Repair materials will match existing components
- Cost of repair is significantly less than replacement (generally under 30% of replacement cost)
- Remaining lifespan of system justifies repair investment
- Inspection reveals isolated damage rather than systemic failure
When Replacement Makes Sense:
- Damage is widespread throughout the system
- System is near end of expected lifespan anyway
- Repairs would be temporary fix requiring ongoing maintenance
- Replacement offers significant performance improvements
- Repair costs approach 40-50% of replacement cost per inspection estimate
- Matching materials no longer available
- You plan to sell soon (new systems add value and appeal to buyers)
- Multiple inspection cycles have revealed recurring issues
Florida-Specific Considerations:
- Materials deteriorate faster here—something with “10 years left” elsewhere might have only 5-7 in Florida
- Hurricane building codes have evolved—replacement allows upgrades to current standards that may benefit insurance premiums
- Energy efficiency improvements from modern materials pay back faster in our cooling-dominated climate
- Matching old materials can be difficult as manufacturers discontinue lines
- Wind mitigation inspection may reveal opportunities for insurance discounts through upgrades
The Honest Assessment: At A&E Remodeling, we’ll tell you when repairs make sense and when replacement is the smarter investment based on your specific inspection results. We’ve been in business over 25 years because we prioritize our customers’ best interests, not just making a sale. Our goal is to help you make the decision that provides the best long-term value.
Working with Licensed Contractors
Florida law requires contractors performing work over certain thresholds to be licensed and insured. Here’s what you need to know when addressing issues found during inspection:
Contractor License Types:
- Certified General Contractor (CGC): Can perform any type of construction work statewide
- Certified Building Contractor (CBC): Can perform structural work on buildings
- Specialty Contractors: Licensed for specific trades (roofing, plumbing, electrical, etc.)
Why Licensing Matters:
- Demonstrates knowledge of building codes and proper techniques
- Requires insurance (protects you from liability during work)
- Provides recourse if problems arise with completed work
- Required for permit applications and inspection approvals
- Ensures workers compensation coverage for crew safety
Verify Before Hiring:
- Check license status at MyFloridaLicense.com before signing contracts
- Verify license is current and active, not expired or suspended
- Confirm license type matches work being performed
- Ask for proof of insurance (liability and workers comp)
- Check Better Business Bureau rating and customer reviews
- Request and verify references from recent similar projects
A&E Remodeling Credentials:
- FL Certified Building Contractor: CBC031923
- FL Certified General Contractor: CGC1504594
- Fully insured (liability and workers compensation)
- BBB A+ Rating with verified customer satisfaction
- 25+ years serving St. Petersburg and Pinellas County with proven reliability
- Licensed and insured for your protection and peace of mind
Permit Requirements in Florida
Many exterior projects identified during inspection require building permits in Florida. While requirements vary by jurisdiction, here are general guidelines:
Typically Requires Permit:
- Siding replacement affecting large areas
- Structural repairs to soffits or fascia
- Work affecting roof structure or attachment
- Major exterior renovations changing building envelope
- Any work affecting building structure or load-bearing components
May Not Require Permit:
- Like-for-like siding repairs in limited areas (check local requirements)
- Gutter cleaning or minor gutter repairs
- Painting and cosmetic maintenance
- Caulking and minor sealing work
- Small trim repairs not affecting structure
Why Permits Matter:
- Ensure work meets current Florida building codes
- Provide inspection to verify proper installation
- Create documentation for home insurance and resale
- Required for storm-resistant construction credits affecting premiums
- Protect you legally from improper work
- May be required based on your inspection report findings
Working with Contractors on Permits:
- Licensed and insured contractors typically handle permit applications
- Permit costs usually included in project estimate
- Inspections scheduled at appropriate project phases
- Final inspection provides documentation and peace of mind
- Proper permitting protects your home insurance coverage
St. Petersburg/Pinellas County Specifics: Requirements vary by city and county within our service area. A&E Remodeling handles all permitting for our projects and ensures work meets or exceeds local code requirements. We know the local inspectors and process, making your project smoother and ensuring compliance with all regulations.
How A&E Remodeling Can Help
For over 25 years, A&E Remodeling has been the trusted name in exterior solutions for St. Petersburg and Pinellas County homeowners seeking reliable inspection and repair services.
Expert Assessment Services
Our free, no-obligation consultations include thorough inspection and professional evaluation:
Comprehensive Exterior Evaluation:
- Thorough inspection of siding, soffits, fascia, and gutters
- Identification of current problems and potential future concerns
- Assessment of storm damage or weather-related wear
- Evaluation of material condition and remaining lifespan
- Professional documentation similar to formal inspection reports
Honest, Transparent Recommendations:
- Clear explanation of findings in terms you understand
- Prioritized recommendations based on urgency and your inspection needs
- Options for repair vs. replacement with pros/cons of each approach
- No-pressure approach—we’ll tell you when work can wait
- Guidance on whether additional specialized inspection is needed
Detailed Written Estimates:
- Itemized pricing so you know exactly what you’re paying for
- Material specifications and manufacturer information
- Project timeline and process explanation
- Warranty information for materials and workmanship
- Clear scope of work based on inspection findings
Florida-Specific Expertise:
- Deep understanding of climate challenges unique to our area
- Knowledge of local Florida building codes and permit requirements
- Experience with insurance claims and storm damage repairs
- Relationships with quality material suppliers serving Central Florida
- Understanding of wind mitigation and insurance inspection requirements
Comprehensive Exterior Solutions
A&E Remodeling specializes in the exterior components most critical to protecting Florida homes from issues commonly found during inspection:
Siding Installation & Replacement:
- James Hardie fiber cement siding (our specialty—certified installation)
- Vinyl siding options for various budgets
- Custom color selections to match your vision
- Moisture-resistant installation techniques for Florida climate
- Storm-resistant fastening methods meeting current building codes
Soffit & Fascia Services:
- Repair of damaged sections identified during inspection
- Complete replacement systems when needed
- Ventilated soffit installation for proper attic airflow
- Aluminum, vinyl, and fiber cement options
- Color-matched to your siding for cohesive appearance
Seamless Gutter Systems:
- Custom-fabricated on-site for perfect fit
- 6″ and 7″ capacity options for Florida’s heavy rains
- Properly sized downspout placement for effective drainage
- Gutter guard options available to reduce maintenance
- Multiple color choices to complement your home
Licensed and Insured Expertise You Can Trust
When you work with A&E Remodeling, you’re working with qualified professionals committed to quality:
Proper Credentials:
- FL Certified Building Contractor (CBC031923)
- FL Certified General Contractor (CGC1504594)
- Fully insured (liability and workers compensation for your protection)
- All necessary local business licenses and certifications
- Licensed and insured status verified and current
Experienced Team:
- Over 25 years serving St. Petersburg area with proven reliability
- Skilled installation crews (not subcontractors—our own trained team)
- Ongoing training on latest products and techniques
- Respectful, professional service you can count on
- Expertise conducting thorough assessment and quality repairs
Quality Commitment:
- Lifetime workmanship warranty on our installations
- Use of premium materials from trusted manufacturers
- Attention to detail on every project, large or small
- Clean, organized job sites with minimal disruption
- Final walk-through to ensure your complete satisfaction
- Commitment to professionalism in every interaction
Local Focus:
- Based in St. Petersburg since 1995—deeply rooted in our community
- Deep knowledge of local architecture and climate challenges
- Established relationships with local suppliers and inspectors
- Invested in our community’s success and homes and businesses
- Understanding of Pinellas County and surrounding area needs
Protect Your Investment with Regular Inspections
Your Florida home faces environmental challenges unlike anywhere else in the country. The combination of intense UV radiation, high humidity, salt air, heavy rainfall, and hurricane threats means your exterior requires more attention and maintenance than homes in milder climates. Regular inspection is your first line of defense.
Regular exterior home inspections aren’t just recommended—they’re essential protection for your largest investment. By catching potential issues early through systematic inspection, you avoid expensive emergency repairs, maintain your home’s value and curb appeal, and gain peace of mind knowing your property is protected.
Your Next Steps
Don’t wait for small problems to become expensive disasters. Whether you need a professional assessment, have noticed concerning signs during your own inspection, or simply want expert advice on maintaining your home’s exterior, A&E Remodeling is here to help with reliable inspection and solutions.
With over 25 years of experience protecting Florida homes, A&E Remodeling brings the expertise, honesty, and quality craftsmanship you deserve. We’re not just contractors—we’re your neighbors in St. Petersburg and Pinellas County, invested in keeping area homes beautiful and protected for generations to come.
Our thorough inspection process helps homeowners understand their home’s condition and make informed decisions about necessary repairs or improvements. We provide the same level of care and attention whether you’re a first-time buyer needing guidance or a longtime homeowner planning maintenance.
Don’t let Florida’s climate win. Protect your home with regular inspection and expert exterior solutions from A&E Remodeling—your trusted partner for residential exterior needs.