Insurance Inspections

 

4-Point Inspection

A 4-point home inspection is an analysis of the insurability of your home. It's known as a 4-point inspection because it examines four major systems: roof, electrical, plumbing, and HVAC. Many insurance companies require it before you can get or maintain home insurance coverage.

You will receive a written inspection report describing the following:

  • HVAC system

    • Does it operate?

    • Is it leaking, corroded, or damaged?

  • Roof system

    • How many years of estiamted remaining life is left?

    • Is it currently damaged or leaking?

  • Plumbing system

    • Are there any leaks or signs of previous leaks

    • How old is the water heater?

  • Electrical System

    • Are there any immediate electrical hazards at the electrical panel?

    • Brand, age and type of electrical panel

    • Type of wiring

NOTE: A 4-point is NOT desinged to make a dertmination on purchase of home. This form addresses only specific details pertaining to the insurability of the home in the format and scope requested by an insurance underwriter

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Wind Mitigation Inspection

A wind mitigation inspection (also called a windstorm mitigation inspection) is when a certified inspector checks your home's wind-resistant features. Though a wind mitigation inspection is not always required to get Florida homeowners insurance, it can result in substantial savings

You will receive an official citizen insurance report outlining the following:

  • Building Code Compliance

  • Roof Covering

  • Roof-Deck Attachment

  • Roof-to-wall Attachment

  • Roof Geometry

  • Secondary Water Resistance

  • Opening Protection

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Roof Certification

A roof certification inspection is an inspection of a home's roofing system for insurance purposes. This certification is completed using the roofing only portion of the citizen 4-point verification form. This inspection is often needed after a new roof is installed on your home.

You will receive an official citizen insurance report outlining the following:

  • Roof Installation Permit Information

  • Condition of Primary and Secondary Roof Covering Materials

  • Estimated Remaining Life Expectancy

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