Why is a wind mitigation inspection required for my home?
An inspection may be required by your homeowner’s insurance company to confirm the condition of your homes construction in the event of strong winds. One of the benefits of receiving a wind inspection is identifying the potential insurance savings available to you based on the current structure of your home. New home inspections do not meet the strict guidelines required by most Florida insurance carriers because they look at other elements of the home and not the likelihood of the home withstanding high wind.
Why should I get a Wind Mitigation Inspection?
To find out how well your homes features would withstand a hurricane or windstorm and what you can do if you don’t have all the features to help protect your home and family. And, to determine the credits you may qualify for to help reduce your Florida homeowner’s insurance costs.
How can I save money by having a Wind Mitigation Inspection completed?
Typically, the way to reduce homeowner’s insurance rates is to have a safer home. The more stable your home, the more discounts insurance companies may provide. Discounts are called Wind Mitigation discounts. We can help evaluate your home and let you know what steps you can take to make it more wind-resistive which can result in less damage occurring in the event of a windstorm. Wind Mitigation discounts are applied toward the windstorm portion of your total insurance premium.
What form do you use for your wind mitigation inspections?
We use the standard, industry accepted Uniform Mitigation inspection form (OIR-1802 Windstorm inspection form.) The form is valid for up to 5 years provided no material changes have been made to the structure or is superseded by a revised windstorm inspection form. Check with your insurance agent if you are unsure of whether your wind mitigation report is about to expire.
What should I expect during the inspection?
A Home Inspection Services Inspector will document and take photographs of both the inside and outside of your property, including your water heater, electric panel, and all HVAC components and roof.
Overview pictures will be taken in every room and will include floors, walls, ceilings, under your sinks, as well as other important key areas.
We utilize a thermal imaging camera and moisture meter to detect any moisture issues that may be lurking beneath the surface.
All impact roofing, windows, and doors will be reviewed for potential credits toward home insurance.
We will let you know of any existing or potential issues found so that you can make any necessary repairs to prevent further damage.
What is a 4-point inspection and why do I need one?
4-point inspections examine the 4 major systems (roof, electrical, plumbing & HVAC) in an older home.
A 4-point inspection may be required by your homeowner’s insurance company either to obtain or maintain homeowner’s insurance coverage. This purpose of the inspection is to give insurance companies a more comprehensive understanding of a home that they are insuring. Insurance companies want to know that an older home has been maintained and the major systems are in good working order.
Most homeowner’s insurance companies will only require a 4-point inspection after your home reaches a certain age. Some will require any newly-purchased home to have a 4-point inspection performed. This varies, based on your insurance company and their underwriting rules.
What is the difference between a 4-point inspection and a new homeowner’s inspection?
A full buyer’s inspection takes roughly two-and-a-half to three hours because it examines the entirety of a home, while a 4 point inspection usually takes 20-30 minutes and only looks at 4 major components to your home.
Do I need a 4-point inspection if I had a new buyer’s inspection completed?
This is up to your insurance company, check with your authorized insurance agent to determine what inspections are required. Always provide all inspection reports you already have to your insurance agent who can then help determine what additional inspections may be required.
What If I don’t pass my 4-Point Inspection?
There are many things that can cause your home to fail a 4-point inspection, such as shingle roofs that are over 19 years old, roof damage, knob-and-tube electrical wiring, a hot water heater over 18 years old, and other such problems.
Some insurance companies will not insure you if you do not fix the problems identified in your inspection. Others will insure you, but may add an exclusion to the items that were identified.
The best thing to do is to replace any faulty systems identified in a 4-point inspection. This may be expensive, but it’s better than risking home damage that could be excluded from your insurance policy or prevent you from having insurance on your home.
Talk to your authorized insurance agent who can help you with next steps if your home does not pass a 4-point inspection.