Four Point Insurance Inspection

Your insurance company may request a 4 point insurance inspection typically on older homes (25 years or more) for initial insurance when purchasing a home, when renewing insurance or switching insurance companies. This is determined by the individual insurance company and their policies.

A 4-point inspection reports on the age and functionality of the electrical, heating and cooling, plumbing and roof systems of a home. Specifically, what is the age of each system, what is the life expectancy and have any of the systems in the home been upgraded and if so, when. Certain photos are required to verify the information reported on the form. The insurance companies common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its useful life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the electrical, plumbing, heating and cooling systems in an older home. If these systems are in poor condition, in need of being updated or replaced, they may fail and cause fire or water damage to the insured home. Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.

Can I fill out the form myself?
No: These insurance inspections forms cannot be filled out by a homeowner and must be performed by certain designated licensed professionals. Florida state licensed home inspectors are permitted to perform these inspections.

I had a home inspection before I purchased the home. Will my home inspection report be accepted instead of getting a Four Point Inspection?
Insurance companies do not want large reports that contain information they do not need. They want only specific information in a short one or two page signed document. Because of the size and detail of a standard home inspection report from Champion Home Inspectors it is not in a format that your insurance company wants and way more information that they need. However, we will transfer all of the collected data to our Four Point Inspection form free of charge to our clients who have paid us for a Standard Home Inspection. Before you order a home inspection you should research with your insurance company if they will require a Four Point Inspection Report.

I am purchasing a home. Can I use a 4 point insurance inspection instead of a home inspection?
Absolutely not. This type of insurance inspection should not be confused with a standard home inspection which is more comprehensive in both detail and scope. The Four point inspection will not contain the type of information you need to make an informed decision of a home purchase.


Wind Mitigation Inspection
A wind mitigation inspection verifies construction methods used that can create discounts for building features that help reduce wind damage caused by hurricanes, tropical storms and other windstorm related claims. As a homeowner with windstorm insurance, state law Florida Statute 627.0629 requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials" based upon mitigation features. Most existing homes have one or more construction features that will qualify for windstorm insurance premium discounts. 

Wind mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses. Lower windstorm losses equal reduced costs to insurance companies that are then passed on to the consumer. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing home using the strongest options in the Florida Building Code. The discounted insurance rates in Florida apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). 

What features are inspected to qualify for Windstorm Mitigation insurance discounts?

1. Was the home built in compliance with the Florida Building Code (FBC 2001) or later?

2. What type of roofing materials were used (shingle, tile or metal)?

3. What type of roof sheathing (plywood or OSB) and method of attachment?

4. How is the roof attached to the walls (clips, wraps ect.)?

5. Roof shape (hip, flat or other).

6. Is there a secondary water resistance barrier that prevents the roof from leaking if the shingles are blown off?

7. Is there any opening protection (shutters or impact resistant glazing)?

8. Required photos verifying mitigation features. 

Champion Home Inspectors is licensed by the State of Florida to perform these inspections.
Remember without an inspection you cannot qualify for any discounts. 
So call now to schedule your Wind Mitigation Inspection or add it on to your Home Inspection.


 

Roof Condition Certification Inspection

Many insurance carriers that do not want a four point inspection may require a Roof Inspection (typically completed on an insurance specific Roof Condition Certification Form) or proof of replacement (such as a signed off building permit) upon renewal for homes of certain ages. They are most concerned with the useful life left on your roof as well as certifying that there is no leaking, deteriorated, missing or damaged areas of the roof.