Inspections
Home Inspections
Wind | Roof | Insurance
Roof – Inspections
ROOF CONDITION CERTIFICATION
This certification is for insurance purposes to document by written and photo documentation to verify the age, condition, and life expectancy of an existing roof.
More Info4 Point – Inspections
A “Four Point Inspection” focuses only on four main areas of interest in a home:
- HVAC - Heating, Ventilation & Air Conditioning
- Electrical wiring and panels
- Plumbing connections and fixtures
- Roof
The inspection and report describes the condition and age of these elements.
The 4 Point Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. The four point insurance inspection benefits both the insurance company and the insurer.
More InfoWIND MITIGATION VERIFICATION – Inspections
Following Hurricane Andrew, Florida passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. In order to qualify for this discount, homes must undergo a certified home wind inspection. However, many Floridians do not know of this law.
Wind Mitigation are a valuable inspection service that may reduce your windstorm insurance. Insurance discounts are available for building features that reduce damage during high wind events. Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts. An Insurance Mitigation Inspection can help you save money year after year on the wind portion of your insurance premiums. The insurance companies assume your home has NO wind resistant features. Most existing houses have one or more wind resistive construction features and may qualify for some insurance discounts.
In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2001 in the rest of the state have many wind resistive construction features and will likely qualify for credits.