There is also a discount that is granted when every opening to the home is protected with a product that meets the requirements for the large missile impact test. How much are our wind mitigation inspections? It's also a great negotiating tool to lower the price of the home, even on "as is offers". A discount is also received when the plywood of roof is nailed to the trusses by the means of an 8d nail spaced at no more than 12 inches apart. We often find roofing, electrical, plumbing and a whole lot of cosmetic deficiencies that most buyers will miss, sometimes we even find homes with no insulation in the attic! We look for things that are significantly deficient, unsafe, near the end of the service life, or not functioning properly inside and outside of the home. Roof geometry – records the roof shape, including hip roof, flat roof, other.
The inspection usually takes less than a half hour, but the inspector will need to gain access to the attic. We work with homeowners, insurance agents, realtors and roofing companies by providing professional inspections. Find Out How You Can Benefit from a HomeTeam Wind Mitigation Inspection. The opening protection verification allows us to identify features that protect all opening in the home for discounts with home owners insurance. In the early 2000s, following several intensely active hurricane seasons including 2004's Charley, or 2005's Hurricane Katrina, Florida saw a number of insurance carriers declare bankruptcy due to claims and claims costs. The following building features are what an inspector/contractor is looking at and takes into consideration when conducting the inspection: - Shingles or other roof coverings: Do they meet Florida Building Code requirements? Remember that it's not the cost of the wind mitigation inspection that really matters, it's how much your inspector can save you that really counts. All single-family homeowners can sign up for free wind mitigation home inspections. If you haven't had a wind mitigation inspection at your current home, you are probably paying too much on your windstorm insurance!
Discounts may vary based on your insurance policy and/or state regulations. Lower your Homeowners Insurance Premiums! At Florida Home Inspections we know that for many people in southwest Florida, their home is their largest investment. A wind mitigation inspection could potentially help homeowners save on insurance costs as well. 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. WILL MY REAL ESTATE CONTRACT ALLOW FOR AN INSPECTION? The following professionals may complete a Four-Point Inspection: A home inspector. The number of discounts your home qualifies for – Some discounts are as much as 10%, while others are only 2%. WHO CAN PERFORM A FLORIDA FOUR-POINT INSPECTION? Roof Geometry - Is your roof hip shaped? The inspection is an examination of these four major systems roof, plumbing, electrical, and the HVAC and heating system. Many items are not obvious to the eye until they are looked and and evalauted. A 4 point inspection is a small snap shot of the homes condition and systems for the insurance company. Plumbing connections and fixtures.
A discount is received for any roof that has been permitted after March 1st. Each protective feature we can find and verify gives you a discount on your insurance. This is the time we find any defects that may have arose during the last 11 months of living in your newly built home while it's still covered by the builders warranty. The insurance company wants to make sure they do not insure a home that has existing damage or is in poor condition. Roof Deck Attachment How is the plywood attached to the rafters? So many of our customers have questions about this inspection as it relates to discounts on insurance. A home inspection is a noninvasive visual inspection that identifies health, safety, or major mechanical issues in accordance to the state of Florida standards. Wind mitigation inspections are primarily completed during your home inspections or after a new roof is installed. The report is submitted by using the Uniform Mitigation Verification Inspection Form or the OIR-B1-1802.
Secondary Water Resistance (SWR) (% will vary). Wind Loss Mitigation. Insurance companies have become cautious in writing Homeowner Insurance Policies and most Florida insurance companies require a four-point inspection before they issue the policy for homes 25 years old and older. Gable ends measuring more than 48 inches tall must be braced for reinforcement. Attachment of the roof decking (plywood) to the trusses. Some features reviewed in your wind mitigation report include: Roof Deck Attachment. Health & Safety Measures. A wind mitigation inspection is a type of property inspection performed on structures in coastal areas that are vulnerable to hurricanes, such as Florida. 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. This is a good way to test your house for wind problems within the Florida region. This report is prepared by a licensed home inspector, engineer, or architect who has specialized training in wind mitigation. An 11th month warranty inspection is preformed on your new construction home before the 1 year builders warranty expires. A general, residential, or building contractor.
Provide any documentation that will help define exact timelines associated with re-roofing, windows, or storm panels. A wind mitigation inspection can drastically reduce those premiums, depending on the construction of your home and how well it is designed to withstand potential windstorm damage. They can cost anywhere from $75 to $225 depending on the inspector and your property. In Florida, the standard for roof coverings was updated in 2001. Tracy Lynne Rennspiess - Licensed Agent, SWFL Insurance. We ask that you prepare your home for inspection according to the above state as inspectors are not permitted to move personal items and operate equipment not listed in the "Standards of Practice" for safety concerns. 125 for a home under 5000 square feet under roof, according to Coastal Home Inspections. The home must have undergone an acceptable hurricane mitigation inspection after July 1, 2008. Our goal is to position you to maximize the potential discounts that you deserve based on the construction and features of your home. An inspection will provide you with an unbiased evaluation of the current physical condition of the house or condo, identify potential problems & defects, and can save you thousands of dollars in unexpected repairs. After your inspection, your reports are available via the Internet. The current features of your home will be evaluated to determine how wind resilient it is.
We check all interior perimeter walls, around interior windows and doors for the presence of moisture with a "Protmeter" moisture meter. Our home inspection teams are also members of the Florida Green Builders Association, and are FPL registered contractors serving Port Charlotte, Punta Gorda, Englewood, North Port, and all of Southwest Florida. You can call your local agent and find out how much savings the roof section on the Wind Mitigation form will save you. The assessment process to determine if your home meets the requirements necessary for discounts involves having a wind mitigation inspection performed. Attachment of the trusses to the exterior walls. Electrical: electrical panel, grounding, wiring, outlets, GFCI outlets(ground fault circuit interrupters), sub panels, etc. Opening protection- Impact tested and approved products, not wind-resistant or pressure tested. Insurance rates will be quoted at a maximized standard rate until the information from this wind mitigation inspection is implemented into a formula which will deflate your premiums while maximizing your potential discounts. If your roof was installed or upgraded before 2008 you probably do not have this barrier which offers a substantial discount. We love what we do and look forward to working with you. Applications will be reviewed and approved in the order in which they are received until funding is exhausted.
Mitigation premium discounts are based on nine different credit points that can only be determined by a certified wind mitigation inspector. Let us help ensure you're getting the new home you paid for and deserve. In the state of Florida this standard form is created and updated by the Florida Office of Insurance Regulation. Why Wind Mitigation. HOME INSPECTION FAQ'S. 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. We provide insurance inspections in Port Charlotte, Rotonda West, Englewood, North Port, Venice, Boca Grande and Little Gasparilla. After the inspection, you will receive a report that verifies all the wind resistant features that will provide insurance credits for your home. To say they were prompt to the properties is true but how well and smoothly they tested EVERYTHING for me was so comforting knowing I was in good hands. A four-point inspection is not a home inspection. If you find someone slightly cheaper, but they don't do their job right and don't get you all of the discounts you have coming, did you really save any money? Costing you nothing to repair and ensuring a trouble free home for years to come. This is a short film where you can inspect your own home and determine the action needed to ensure the house is in good overall condition for high winds.