Insurance Inspections

What is a 4 Point Inspection?

The 4 Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. The insurers were looking for a way to reduce their losses. 4 point insurance Inspections have also increased in popularity as a direct result of the losses incurred in the 2004, 2005 hurricane seasons. Since then, 4 point insurance inspections are often required in homes 50 years or older depending on the guidelines set by individual insurance companies. It is performed on behalf of the insurance companies as a requirement for the insurer offering insurance to the homeowner. The 4 Point Insurance Inspection consists of an inspection and condition evaluation of the following systems: Roof, Electrical, HVAC (Heat, Ventilation & Air Conditioning) & Plumbing.

The insurance companies are looking for the 4 systems to be functional and in generally good condition and to be in compliance with code. If the home is an older home, the insurance companies want to see that the systems have been updated. A 4 point inspection was designed to give the insurance company information needed for risk assessment. Keep in mind that the upgrades the insurance companies are looking for will make the home safer for you and your family.

The inspection will typically take less than one hour onsite. If we find defects or code violations that need to be repaired, we will provide you with a list for you to have them repaired. In many cases the insurance company will allow the owner time to make any necessary repairs or upgrades. Upon repair, if you provide us a receipt by a licensed contractor, we will provide a report that will reflect the repaired condition.

What is a Wind Mitigation Inspection?

A windstorm inspection is a inspection that identifies all of the wind resistant features in the construction of a building. Florida Statute 626.0629 requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials" for construction that reduce damage and loss in windstorms. Most houses in Florida have at least one feature that will qualify owners for a discount on the wind portion of their policy. Premium discounts for certain favorable wind mitigation features can total 45% of the original windstorm policy's premium.

Our trained & certified inspectors will inspect, verify, photo document and report your home’s construction features on forms for you to submit to your insurance company.

Call us today to schedule your Inspection!