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FL Storm Pros

Wind mitigation & 4-point inspector

Bradley Kennison Toye

Largo, FLPinellas County

Active DBPR home inspector license · HI391Licensed 16+ years
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About Bradley Kennison Toye

Bradley Kennison Toye is a state-licensed home inspector based in Largo, in Pinellas County. DBPR lists license HI391 as current and active. Bradley Kennison Toye's Florida home inspector license was first issued in October 2010, in the first year Florida began licensing home inspectors, so it is one of the longest-held home inspector licenses in Tampa Bay.

Licensed home inspectors in Florida commonly perform the two insurance inspections homeowners are asked for most: the wind mitigation report (form OIR-B1-1802), which can lower the wind portion of a premium, and the 4-point inspection of roof, electrical, plumbing and HVAC. Confirm with Bradley that the required hurricane mitigation training is complete before booking a wind mitigation report.

Largo has many 1960s–80s homes and mobile-home communities, where roof age and 4-point requirements come up often. 29 other licensed inspectors are also based in Largo.

This is a free listing built from public DBPR records. Because many inspectors' license addresses are their homes, we do not publish street addresses, phone numbers or email. Use the request form to ask for a quote, or, if this is your listing, claim it to add a business phone, website and service area.

License details

License verified with Florida DBPRHI391Look it up on myfloridalicense.com

Matched against the DBPR public licensee file (October 2026). Licenses can change; confirm status before signing.

Home inspector · HI391
Bradley Kennison Toye
First licensed October 11, 2010 · Expires July 31, 2028
Based in
Largo, Pinellas County

Location is the city on the DBPR license record. We don't publish street addresses, ZIP codes or phone numbers for free inspector listings.

Wind mitigation (OIR-B1-1802)

Documents roof shape, deck nailing, roof-to-wall connections and opening protection for insurance discounts. Valid up to 5 years.

What it costs

4-point inspection

Roof, electrical, plumbing and HVAC condition report that insurers often require for older homes.

4-point guide

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Frequently asked questions

Is Bradley Kennison Toye a licensed home inspector in Florida?

Yes. As of our October 2026 DBPR data, license HI391 is current and active and expires July 31, 2028; it was originally issued October 11, 2010. Search the number on the DBPR license lookup to confirm before you book.

Can Bradley sign a wind mitigation form (OIR-B1-1802) for my Largo home?

Florida allows licensed home inspectors to sign the Uniform Mitigation Verification form if they have completed the required hurricane mitigation training. Ask Bradley to confirm, and ask for photos of each item (roof deck nails, roof-to-wall connections, opening protection) so your insurer can verify the credits.

How much does a wind mitigation or 4-point inspection cost in Largo?

Published Tampa Bay prices we checked in October 2026 were $115–$130 for a wind mitigation report, $120–$140 for a 4-point and $175–$220 for both in one visit. Larger homes, two-story roofs and travel can cost more, so ask Bradley for a written price. See our wind mitigation cost guide.

How do I contact Bradley Kennison Toye?

This is a free listing, so we don't show a phone number, email or street address. Use the request form on this page and we'll pass your request along, or compare the 30 licensed inspectors based in Largo.

Do I need a 4-point inspection, a wind mitigation inspection, or both?

A wind mitigation report is optional and is used to earn discounts. A 4-point is usually required by insurers for older homes (often 25–30+ years). Many Pinellas County homeowners book both together. Read our 4-point inspection guide.

Other inspectors in Largo

See all 30 Largo inspectors

About these listings. Inspectors are listed from the Florida Department of Business and Professional Regulation (DBPR) home inspector licensee file, downloaded October 2026. We include only licenses shown as current and active. A DBPR license does not by itself confirm that an inspector has completed the hurricane mitigation training required to sign form OIR-B1-1802, so confirm that, and verify the license on myfloridalicense.com, before you book.

Privacy. Many home inspectors use their home address on their license, so free listings show only the city and county: no street address, ZIP code, phone number or email. Inspectors can claim their listingto add business contact details, or ask us to correct or remove it. FL Storm Pros is not affiliated with DBPR or any insurer.