Central Florida 4 point and wind mitigation inspections
To obtain (or maintain) insurance coverage, the 4 point inspection was designed to get a better understanding of your home. This is especially necessary for older homes which have had more time for repairs or replacements or for things to potentially go wrong. Construction techniques or materials could have been used at the time of the construction of your home that may not be up to date with today’s standards. These can be key points your insurance company needs for a better understanding of your home and the eligibility to ensure it.
With a 4 point home inspection we check:
- The Visible HVAC System (Heating, Ventilation, and Air Conditioning)
- Visible Roof System
- Visible Plumbing System
- Visible Electrical System
When inspecting these systems there are a few things we want to look for, the age of the system and its current functionality at the time of inspection. If it is an older home some systems may be newer, and some may be older or past service life. The point of this inspection is to point out what may need repair or what may need replacement.
A proper 4 point inspection will take generally 20-30 minutes and will find which systems fall under insurance underwriters guidelines and which systems do not. This inspection is mainly for insurance use and is a snapshot of the most important aspects of your home. BUT NOT EVERYTHING. If a full breakdown of everything in your home is what you’re looking for then you want our “comprehensive home inspection” which you can find HERE.
Wind mitigation inspections
A Wind Mitigation inspection is another form of insurance inspection that can be a snapshot of important building features on your home and the durability they may have to withstand a wind storm. This inspection usually takes about 30 minutes and records information for the insurance company about:
Roof deck attachment : This is basically how your roof is nailed to the trusses or rafters of your home. And how close it follows today’s standards.
Roof to wall connection: what we look for here is how to roof is held down by the wall. Acceptable forms that gain credits are usually metal clips, single wraps or double wraps or metal clips. Some are stronger than others and depending on what your home is equipped with will determine what credit you will receive.
Window and Door rating: what we look for here is if the windows and doors of your home are rated to withstand high winds or projectiles that may be carried along in a bad wind storm. Based on what windows and doors you have will determine what credits you will receive from your insurance.
SWR or “secondary water resistance”: which is another roof covering to help protect you against water intrusion in the event of a bad storm.