+ Why is a wind mitigation inspection required for my home?
An inspection may be required by your homeowner’s insurance company to confirm some attributes your homes construction in the event of strong winds. One of the benefits of receiving a wind mitigation inspection is identifying the potential insurance savings available to you based on the current structure of your home.
+ 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 prepared and reinforced the 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. This 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, Office of Insurance Regulation required Uniform Mitigation inspection form (OIR-1802). The form is valid for up to 5 years provided no material changes have been made to the structure or is superseded by a revised windstorm inspection form.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 Photos inside the attic of home are typically required when accessible. All impact roofing, windows, and doors and impact resistant coverings will be documented reviewed for potential credits toward home insurance.
+ 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 a 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 snapshot of the home 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 guidelines.
+ What is the difference between a 4-point inspection and a new homeowner’s inspection?
A full pre-purchase inspection takes roughly two-and-a-half to three hours and examines the entirety of a home, while a 4 point inspection usually takes 20-30 minutes and focuses on the 4 major systems of a 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 things that can cause a home to yield unacceptable results from a 4-point inspection, such as roofing materials that surpass age guidelines, roof damage, deficient electrical conditions, or a hot water heater that exceeds its industry accepted lifespan. 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 or surcharge to the items that were identified. Replacing or sometimes even just repairing deficiencies identified in a 4-point inspection is typically recommended and in some cases required. This may be an involved process, but usually better than risking potential damage to your home or prevent you from obtaining quality insurance coverage. Talk to your authorized insurance agent who can help you with the next steps if your home does not pass a 4-point inspection.