Home Inspection Services
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Your Inspection Could Result in Big Savings on Your Home Insurance!

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Wind Mitigation Inspection: $94.95

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4-Point Inspection: $94.95


Your Inspection Could Result in Big Savings on Your Home Insurance!

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. Many homeowners insurance companies provide discounts or credits for construction features that have proven to reduce damage from hurricanes, such as:
 
• Hurricane protection on all of your windows and exterior doors, such as shutters or impact resistance windows and garage doors
• A hip roof (sloped on all sides like a pyramid)
• Roof to wall connections that are installed with hurricane clips/straps. Discounts will vary depending on the type of connection such as toe nail, clips, single wraps or double wraps.
• Florida Building Code-approved roof covering. Discounts will vary depending on the type of covering such as asphalt, tile or metal.
• The presence of a secondary water resistance barrier. 

The Florida Office of Insurance Regulation OIR-1802 Windstorm Inspection Form is valid for up to 5 years provided no material changes have been made to the structure or is superseded by a revised windstorm inspection form.

Once your inspection is completed and submitted to your homeowner’s insurance company they can advise what credits you are eligible for. Talk to your trusted Insurance Agent on what discounts may apply!


Wind Mitigation Inspection: $94.95

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A wind mitigation inspection examines a home’s features to determine how well that home would hold up in the event of strong winds such as a hurricane. From an insurance perspective, wind mitigation inspections look for construction features that have been shown to reduce losses in hurricanes. This report is especially important for Florida-based insurance companies who are looking to make sure the homes they insure would withstand a hurricane fairly well.

But, for the consumer, the results of a wind-mitigation inspection may result in a decreased premium on your homeowners insurance if your home has features that would help protect it from less destruction in the event of a catastrophe. Typically, the safer and stronger your home is, the lower your premium for homeowners insurance could be.

Even more importantly, this inspection report can detail areas of your home that you can improve to better with-stand a weather event in our hurricane-prone state of Florida.

The inspection will include a review of the following:

  • Age of the home

  • Construction type

  • Age of the roof

    • Make sure you have a copy of your permit if you recently had your roof replaced

  • Roofing material

  • Shape of the roof

  • How the roof deck is attached to the trusses and walls

    • This part of the assessment reviews how the shingles are secured to the roof deck and how the roof deck is secured the truss/rafters. The length of the nails is the critical factor in potential savings on your homeowners insurance

  • Reinforcement of roof and gables

  • Secondary water resistance

    • Protection against leaks if shingles are blown off

  • Any opening protection features

    • Hurricane windows, shutters, bracing on the garage door

  • Material used in wall construction


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4-Point Inspection: $94.95

A 4-Point Inspection is often a required inspection in order to obtain (or maintain) insurance coverage on your home. Most Florida homeowner’s insurance companies will require a 4-point inspection on older homes. The purpose of the inspection is to get a better understanding of the structure that an insurance company is insuring.

This type of inspection provides the condition and age of the following home elements:

  • HVAC (Heating, Ventilation and Air Conditioning)

    • Examines the type and presence of heating and air conditioning systems within the home, the age and condition of these systems, and if there are any signs of leaking

  • Electrical wiring and panels

    • Includes the type and condition of the wiring in your home

  • Plumbing connections and fixtures

    • Reviews the type of plumbing systems within your home such as: copper, CPVC, galvanized, lead, and polybutylene, etc. Also checks the age of your water heater and if there are any signs of leaks

  • Roof

    • Type of roof covering, the age and condition of your roof (when it was last replaced), and if there are any missing shingles, or leaks detected