FL - Anxious about my upcoming 4 point inspection for landlord insurance

[Antonio C.]

Hi everyone, I’m asking here to see if I can get some insights and peace of mind for my upcoming four-point inspection for insurance since my current carrier won’t renew after May of this year.

I own a rental SFH in South Florida (Broward). House is in fairly good shape, built in 1980, tite roof built with permit in Dec 2009 closed in Feb 2010, and one portion of the roof is flat (ugh). No leaks, no standing water since roofers built a drain in the middle of the flat roof and still performs well. Plumbing all work, in 2023 we had to bypass some of the plumbing through the attic with PEX, plumber didn't pull permit for this, so I have about 50% copper pipes behind the walls and 50% PEX in the attic.

AC is from 2012, and water heater is from 2018.

My fear comes from if anything weird would make the house completely uninsurable, I don’t mind paying a higher premium due to the roof being 14 years old or anything else, not sure how this is going to play out considering the insurance market in Florida.

Thanks!