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Professional Four Point Insurance Inspections
Since Hurricane Andrew, insurance companies in Florida have encouraged homeowners to make their homes safer in order to reduce claims. As a result, many insurance companies and J.U.A. (Joint Underwriting Association) - now Citizens, request Four Point Inspections, which often include, but are not limited to:
Type, condition and construction of your roof. The inspector is looking for leaks, roof covering damage, missing sheathing, and the overall condition of your roof decking and trusses.
Type and condition of your electrical system. The inspector is looking for aluminum branch circuits, GFCI’s, AFCI’s, loose/frayed wiring, active knob and tube wiring, and any recent upgrades.
Age, type and condition of your heating and A/C units. The inspector is looking at the overall condition of these systems and reporting on any system upgrades.
Overall condition of your plumbing system, the main and fixture and supply line material, in addition to the type and age of your water heater. The inspector is looking for leaks, polybutylene, shut off and TPR valves, and any recent upgrades.
WHAT ARE INSURANCE COMPANIES LOOKING FOR FROM THESE REPORTS?
It has been our experience that insurance companies are generally looking for the systems inspected during a Four Point Inspection to be in good working condition and updated when necessary. These systems should not pose any additional risk due to safety hazards, unsafe conditions or deferred maintenance, and they should be up to the latest codes. Examples of such hazards, unsafe conditions and deferred maintenance would include leaks, exposed electrical wiring, or outdated or overloaded electrical panels.
WHO CAN PERFORM A FOUR POINT INSPECTION?
Most insurance companies require a licensed electrician, a general building or residential contractor, a roofing contractor, or a certified home inspector to conduct the Four Point Inspection and certify the report. We guarantee that your inspection and report conducted by our experts will be accepted by your insurance carrier.
CAN I AVOID A FOUR POINT INSPECTION IF MY INSURANCE COMPANY HAS REQUESTED ONE?
It is often difficult to maintain coverage or acquire new insurance when a request for a Four Point Inspection is ignored.
Note: this type of insurance inspection should not be confused with a "standard home inspection" which is broader in scope in regards to detail and the areas of the home which are covered. Your Four Point Inspection is not valid after 1 year, and it is not a full home inspection. The scope of the report is limited and based on physical and visual proof of your homes various operating systems. System ages are approximate as are the life expectancies, and may vary. This report offers no warranty or guarantee.
Florida Certified Home Inspections are fast and affordable!
In many cases, we can inspect your home within 24-48 hours. We accept cash or check at the time of inspection. Call us today to find out how to reduce your homeowner’s premiums by as much as 45%
Call today to schedule your 4 Point Inspection – (727) 667-2668
Click here to order an inspection Online
by BROOKE GOLD HASSON | Jun 03, 2015
Homeowners can receive substantial credits for outfitting their homes with windstorm mitigation features that withstand or are more resistant to high winds.
We highly recommend that Florida homeowners, especially those living in more hurricane-prone regions, consider investing in wind mitigation features.
Wind mitigation is the process of adding features to your home that help withstand or increase resistance to high winds caused by a major storm or hurricane.
According to the Florida Division of Emergency Management, 15% - 70% of home insurance premiums in Florida can be attributed to wind-damage risk. While there is an upfront cost involved, outfitting your home with wind mitigation features can result in significant long-term savings.
In addition to saving you money, mitigating your home against severe weather can also protect your family in the event of a major storm. Installing hurricane shutters on your windows or hurricane straps on your roof reduces the risk of flying debris penetrating your home and putting your family in danger.
Seal your roof deck, or the layer in between the primary structure and the insulating layer of your roof, to prevent water intrusion that may otherwise occur if roof shingles blow away in extreme wind or from flying debris. This also provides an extra layer of insulation, making your home more energy efficient.
Reinforce your home’s walls to the roof and foundation to establish a continuous load path. This enables the outer structure of your home to resist strong winds.
There are several options available to help protect windows and other openings from the impact of strong wind and flying debris. Popular options include shatterproof windows and storm shutters. Hurricane-rated doors are recommended, especially for garage doors with large openings. Additional bracing can also be installed on existing garage doors.
Generally, a wind mitigation inspection is needed to determine which credits apply to a home. During a wind mitigation inspection, a certified inspector looks for key features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm.
If you would like to receive a windstorm inspection, we can provide you with contact information for third-party wind mitigation inspectors. Call us today at 727-667-2668
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