Florida homeowners should consider a Wind Mitigation Inspection to help determine which credits apply to the home. During a wind mitigation inspection, we will look for key features and add-ons that reduce the amount of damage your home could suffer in the event of a hurricane or strong windstorm. These updates/upgrades will help with savings and safety. We will look at: Water Barriers, Roof to Foundation Anchoring, Window and Door Coverings
A “Four Point Inspection” focuses only on four main areas of interest in a home:
- HVAC (Heating, Ventilation, and Air Conditioning)
- Electrical wiring and panels
- Plumbing connections and fixtures
According to Florida information, a 4-Point Inspection must be performed by either a Florida licensed general or building contractor, a building inspector, architect or engineer, OR a member of the American Society of Home Inspectors (ASHI), the Florida Association of Building Inspectors (FABI), or the National Association of Certified Home Inspectors (NACHI)
Depending on the insurance company, they would require a 4 point inspection because of the age of the home or if the home is a foreclosure. This inspection will help determine the home’s eligibility for insurance.
When inspecting and certifying a roof during the inspection, this is the information noted:
Know the material, age, and condition of the roof; estimated life remaining on the shingles, determine if and when the roof was updated, are there visible signs of damage, deterioration, leaks
Is there a secondary roof and it’s known information
If the roof is in poor condition, it may be required to be upgraded, fixed or replaced before writing your insurance policy
Photographs of the roof and the Roof Condition Certification form will be documentation.