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Insurance Inspections

 

Your homeowners insurance price has probably raised dramatically, making you even think your are going to have to sell your home or you are going to need to get another job just to pay for it. Or your probably buying a new home and never even thought the insurance was going to be so high. What do you know now ? Have a reliable home inspector inspect your home and tell you the truth on how to safe money on your homeowners insurance. 

 

4 Point Inspections

 

What is a 4 Point Inspection ?

A 4 point inspection is an evaluation of the four major systems of your house: electrical, plumbing, air conditioning and roof.

What does a 4 Point Inspection Cover?

Inspection of the Roof. They want to know what types of roofs your house has and how old are they,  

Inspection of the Air Conditioning. Also what type of air conditioning system is it , it's age and condition. 

Inspection of the Plumbing. What type of plumbing (supply & drain lines) your home has and how old and where is your water heater located.

Inspection of the Electrical. What type and brand of electrical panel and wiring is in it. 

 

That's when we come in and advise you if you should upgrade any of these components in order to get a larger discount.

 

Wind Mitigation Inspections

 

What is a Wind Mitigation Inspection ?

A wind mitigation inspection verifies what type of home's wind-resistant features your home has.

 

To determine the price of your homeowners insurance we will take pictures of your home and fill out the  Uniform Wind Mitigation Form (OIR-B1-1802). Based on this document the insurance company will evaluate how strong your home was built or has been updated to stand a storm and it's winds. The inspector fills the form telling the year the home was built,  the type of roof coverings you have and their age,  the type of roof deck attachment, the type of roof to wall attachment, the roof geometry, if a secondary water resistance barrier was installed on the roof and how every opening of your house is protected against strong winds (windows, doors, garage door, skylights).

 

Do you have a new roof or new impact windows ? Is that enough to get a better discount on your homeowners insurance ?  

We will let you know. 

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Roof Certifications

 

Your roof is not that old but the insurance company is giving you a hard time, let's inspect it and really give it the life it has due to the condition. 

How to Get Homeowners Insurance Credits.

1. If your getting new impact windows or accordion shutters for the windows, be sure all openings are protected, if not you will not receive the credit. They're no partial credits. Also you need to replace your entry doors, garage doors, skylights and protect glass block windows. 

2. Be sure your storm panels are impact rated. Usually they would have a label or have engraved on the panel the initials MDCA (Miami Dade County Approved) or a FBC approval (Florida Building Code).

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