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Insurance Inspections
What is a Four-Point Inspection
The purpose of the inspection is to determine the age, the functionality, and the condition of the home’s four major components.
A Four Point Inspection, focuses on the 4 main components of the home.
- Electrical panels and wiring
- Plumbing fixtures and connections
- HVAC
- Roof
Frequently Asked Questions
Insurance companies typically require older homes (mainly 25 years or older) to undergo a Four-Point Inspection prior to issuing Homeowners Insurance Policies. The common concern for the insurance company is that there may be conditions in an older home that could become a liability. Concerns that extend to the condition of the HVAC, electrical, plumbing systems, and roof. If these elements are in poor condition, need updating, or were improperly installed, they may fail and cause fire or water damage to the home.
The insurance company requires that a licensed professional prepares a report such as a Home Inspector.
Unfortunately, a Home Inspection report cannot be used as a substitute for a Four Point Inspection. Insurance companies require specific information and most companies use a specific report to be filled in regarding the HVAC, electrical, plumbing, and roof.
Wind Mitigation Inspection
During a Wind Mitigation Inspection, our certified inspector looks for key features and add-ons that your home may have to help reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm. Generally, a wind mitigation inspection is provided to your Home Insurance company to determine which credits can be applied to your home annually.
A Wind Mitigation is typically valid for 5 years SAVING YOU MONEY NOW AND YEARS TO COME!
Whether you are selling, buying, or just checking to see if your home qualifies, we definitely recommend obtaining a Wind Mitigation. If your home does not qualify, we do not charge you for the inspection.
11-Month Inspection
New Construction
Prior to your one-year ending it is recommended to have an inspection. The inspection identifies in detail any defects or issues that may have occurred during your first year of home ownership.
The inspection is a full evaluation of the property. It is designed to identify defects within specific systems and components, such as the roof, electrical, structure, heating and cooling, plumbing, appliances, and other components.
This gives you an opportunity during your one-year builder warranty period to have defects identified and corrected.
