Immokalee Home Inspection. Four Point Inspection are required by insurance providers before they will consider writing a policy for any home that is typically older than 30 years. Wall Construction Type - Inspectors will review the construction materials used for framing, reinforcement, and outer fascia, and what percentages. A professional engineer. The Florida Office of Insurance Regulation mandates that homeowners must be offered discounts from the wind portion of their premium. Additional fees may be applicable for outlying areas. A wind mitigation inspection in Fort Myers is when a certified inspector checks your home's wind-resistant features. The homeowner must agree to make his or her home available for inspection once a mitigation project is completed. At Able Home Inspections our certifications exceed the state requirements, we have never had an issue with one of our wind mitigation inspections. At Florida Home Inspections we ensure your peace of mind by following strict and thorough home inspection procedures. Four Point Inspections. Structural components: foundation, walls, trusses, hurricane straps, etc.
Whether you are a new home buyer or seller, we give you the peace of mind only a complete home inspection can bring. Savings are based on the likelihood of your home to incur costly repairs if faced with a windstorm or hurricane. Our inspection services saves homeowners money by properly documenting features that resist windstorm damage. Having a four point inspection could potentially help homeowners save on insurance costs as well as maintain safety for your family and pets. The discounts are offered after a certified inspection is done on your home. The home must have undergone an acceptable hurricane mitigation inspection after July 1, 2008. Answering yes to any of these question can contribute to helping lower your insurance costs – it's not a all or none, pass or fail scenario. Some of the features that can be included in a wind mitigation report for insurance purposes may include hurricane shutters, roof-to-wall connections, roof deck attachments, and the presence of impact-resistant windows and doors. If the wind insurance percentage rates are high, then the discounts will result in more savings for a house in a high-cost area versus the same house in a lower-cost area. Wind mitigation inspections report on the wind resistance features of a home, building, or structure. Insurance Inspection Services. Roof deck attachment – records the type of roof deck attachment. Call now to schedule your inspection, 239-989-3636.
Roof to Wall Attachment (up to 35%). Homes built before 2002 with roofs replaced after 2002 should still have a wind mitigation inspection since some of the roof's features may qualify for discounts. A wind mitigation inspection assesses your property's ability to withstand hurricane and tropical storm winds. Results of the inspection help to determine coverage eligibility and rates. Wind Mitigation & Four Point Inspection S pecials. The more areas of wind intrusion that have been addressed, the more likely you are to save money on the wind portion of your insurance policy. We guarantee same day detailed reports for our home inspections, wind mitigation inspections, and 4-point inspections or your money back. The inspectors at Florida Home Inspections are General Contractors with LEED, AP and Energy Star certifications. Roof covering material and age (different materials and ages are built to different wind resistance standards). Mitigation features to consider: Building Code What year was the home built? The value of your home – Discounts are computed as a percentage of the wind portion of your insurance for your home. Floridians can now apply for the My Safe Florida Home program, a $150-million initiative aimed at helping people prepare their homes for major storms. The more wind-resistive features your home has, the less likely you are to have a costly windstorm loss.
Having a wind mitigation inspection on your home can help you reduce the costs of your insurance premium. Now that the home has been lived in and weathered some defects will begin to show that weren't there during the original new construction inspection. Prior to inspection, we ask that you please: - Provide a clear working area under and around attic access panels. Depending on the findings homeowners may qualify for discounts on their premium. In order to receive a reduction on your insurance, you must have a windstorm mitigation inspection. These attributes may qualify for some insurance reductions.
Using our Thermal Imaging technology, we can detect problem areas in your home before major damage occurs. Over 90% of existing homes have structural elements which will qualify for some form of insurance premium discount. In Florida, insurance companies are legally bound to offer discounts for building features that can help protect your home or commercial building against wind damage. Licensed general contractor. HOME INSPECTION FAQ'S.
Do all of your homes openings have protection, including the front doors and attic vents? WHAT ARE YOUR SERVICE AREAS? We are based out of Fort Myers, Florida, but our network inspectors are located throughout the state and work in your neighborhood. A pre-listing inspection, typically paid for by the seller or listing agent, is an inspection documenting the home's overall safety, condition, and material defects before the home is under contract. The form will not be accepted without a verifiable, certified inspector's dated signature. Lower your Homeowners Insurance Premiums! A home inspection is a noninvasive visual inspection that identifies health, safety, or major mechanical issues in accordance to the state of Florida standards. Every aspect of your pool area should be inspected from the walkway, fence, and gate, to the equipment, wiring, and lighting. The inspections are only focused on the 4 major systems that insurance companies want to know about. Thank you for your valued contribution to the inspection process. Steel reinforced concrete block offers a much better insurance discount than wood-framed/plywood walls/vinyl siding. Is there impact-resistant glazing or other protection methods applied?
Roof To Wall Attachment - The focus in this area is trusses, are they attached with nails or clips, are the metal wraps single or double? Attic: ventilation, moisture intrusion, insulation, trusses and rafters, pest intrusion issues. Marco Island Home Inspection. What Some Of Our Customers Are Saying.
The age requirement depends on the insurance agencies. This type of insurance inspection is a basic report, written to industry standards, on the four main systems of a home: Roofing. This gives the buyer time to shop for the best pricing of repairs needed, saving the seller money while leading to shorter closing times and higher sale prices. Buying a new home is the biggest investment most people will ever make. Roof shape and gable end bracing. Bonita Springs Home Inspection.
Other shapes are gable and at however be aware that many carriers surcharge for shapes other than hip. According to the FLOIR, the following individuals are allowed to perform this inspection: Licensed home inspector. We assist policyholders to obtain insurance coverage with our four point and roof certifications. They can cost anywhere from $75 to $225 depending on the inspector and your property. SWFLA Home Inspections Inc. is open: Sunday: 9:00 AM - 5:00 PM. Provide any documentation that will help define exact timelines associated with re-roofing, windows, or storm panels.
Submit this report to your insurance company, who will then give you an estimate of your premium savings. Fast and complete turnaround.. Newly built homes built to the Florida Building Code since March 1, 2002. These features fall into several categories, such as exterior construction type, roof shape and construction methods, age of roof covering, door and window opening protection as well as the actual year the home was built. This is when roof leaks, window leaks, settled pavers, defective breakers, stucco cracks, nail pops, and drywall cracks start to appear in the home and are still covered under the builders warranty. We did some research and below are some of the prices that come up in the Fort Myers FL area: "Between $70 and $100, according to. If your roof was installed or upgraded before 2008 you probably do not have this barrier which offers a substantial discount. The insurance companies are obviously trying to avoid writing policies for any home that may already have a condition that poses a threat for a potential claim that could have been prevented through the identification of the problem through these inspections.