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The following professionals may complete a Four-Point Inspection: A home inspector. As part of the inspection, the inspector will conduct a go inside the attic and use a device to identify the roof deck nailing pattern, the use of an SWR, the type of sheathing, and roof to wall connection. Depending on the findings homeowners may qualify for discounts on their premium. The report is submitted by using the Uniform Mitigation Verification Inspection Form or the OIR-B1-1802. What is a wind mitigation inspection and what will it do for me? Also, an inspection is generally good for up to 5 years; requirements may vary from carrier to carrier. Opening protection- Impact tested and approved products, not wind-resistant or pressure tested. Whether you're a client of ours or not, we'd be happy to offer our help in setting you on the right course for an inspection that will help bring down your homeowners and condo insurance premiums. Home inspection naples home inspection fort myers home inspection marco home inspection bonita home inspection cape coral, certified home inspector naples, certified home inspector ft myers, certified home inspector marco licensed home inspector naples licensed home inspector fort myers licensed home inspector marco. Submit this report to your insurance company, who will then give you an estimate of your premium savings. They will require a copy of the inspection report to verify the home is safe and to their lending standards.
The discounts are offered after a certified inspection is done on your home. 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. Required by insurance companies when insuring a home over 40 years or a rental home over 30 years old. How Is a Wind Mitigation Inspection Accomplished? Roof Covering - Inspectors want to know when a roof was installed and if it meets building codes. WHAT ARE YOUR SERVICE AREAS? This wind mitigation inspection exists to give every home owner the opportunity to identify aspects of their home that warrant a discount on their insurance premiums. 00 or more per year, every year, are very common. All "wind mitigation company" results in Cape Coral, Florida. We can complete these forms and include them with your home inspection. This report is prepared by a licensed home inspector, engineer, or architect who has specialized training in wind mitigation. Our goal is to position you to maximize the potential discounts that you deserve based on the construction and features of your home. 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.
An 11th month warranty inspection is preformed on your new construction home before the 1 year builders warranty expires. 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. Also, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many wind-resistive construction features and will more than likely qualify for money-saving credits. The age of the home can vary as some providers are now requiring it on any home that they insure. After the inspection, we will review the findings with you. Secondary Water Resistance (SWR) aka peel & stick, provides an additional barrier to reduce the likelihood of the roof from leaking if the primary roof covering comes off in a windstorm. 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. The reports were done that night and sent to the broker and me. The current features of your home will be evaluated to determine how wind resilient it is. Roof covering – records the permit or installation date, roof covering type, and code compliance status. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering. Relatively expensive homes have higher premiums; hence, the amount of the discounts will increase as the value of the home increases. Let us help ensure you're getting the new home you paid for and deserve.
Whether you are a new home buyer or seller, we give you the peace of mind only a complete home inspection can bring. Wind mitigation inspections are only valid in Florida if they have been performed by a licensed inspector that has undergone the proper training for recognizing unified construction features in your home. This discount applies to the wind portion of your insurance. So many of our customers have questions about this inspection as it relates to discounts on insurance. Insurance Inspection Services. Recommendations if he feels there could be improvements made to benefit you. Roof to Wall Attachment. We almost always save you far more money than your inspection costs - so basically they're even better than free. Wind mitigation is an inspection done to see how much protection against wind damage your home has. Roof-to-Wall Connections. We recommend a wind mitigation if you are looking for the maximum insurance savings possible.
Why do we even need one? If you are buying or own a home in the state of Florida that was built after 2002, your home has been built according to the strictest standards in the country with regard to wind and storm resistance. Exercise your rights, schedule a home inspection. Secondary water resistance – records the type of secondary water resistance present. A general, residential, or building contractor. This form is typically only requested for roofs that are toward the end of their estimated lifespan (i. e. 18 to 25 years old). 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? The results are recorded on a standard wind mitigation inspection form, called a OIR-B1-1802 Uniform Mitigation Form.
FAQ about Windstorm Inspections. The inspector will look at the roof, doors, and windows specifically. 2022 Super Service Award. The same may be true for a new roof and other construction features that help with wind mitigation. A four-point inspection covers the most common elements that result in an insurance claim. Do all of your homes openings have protection, including the front doors and attic vents? Mitigation premium discounts are based on nine different credit points that can only be determined by a certified wind mitigation inspector. Most Florida real estate contracts allow the buyer the right to a home inspection. Homes were built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
This type of insurance inspection is a basic report, written to industry standards, on the four main systems of a home: Roofing. Secondary Water Resistance (SWR) (% will vary). We will examine the roofing from the exterior, as well as the attic and the interior ceiling, to determine its remaining useful life and whether or not any leaks exist. 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. Roof deck attachment – nails, screws or staples along with the size and spacing.
Provide any documentation that will help define exact timelines associated with re-roofing, windows, or storm panels. Call today and we can chat about other ways we can help you save money on your home or condo insurance here in Florida or click here, leave a message and one of our agents will reach out to you. Having your home inspected can save you costly repairs and renovations due to a number of potential hazards. Some of the discounts received can be achieved through the following areas. Frequently Asked Questions and Answers. Contact your insurance agent or local HomeTeam Inspection Service for more information.
The inspection requires access to the attic, access to the entire perimeter of the structure, and will take less than an hour to perform. Commonly called the 11th month inspection on a newly built home before your 12 month builders warranty expires. If you've been told that your house doesn't qualify for discounts, we can verify/point you in the right direction to have retrofit work done so you can start saving money on your premiums, often up to 50% off. My Standard Home Inspection. Give us a call to further discuss your needs! We love what we do and look forward to working with you. In Florida, the standard for roof coverings was updated in 2001. 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.
SWFLA Home Inspections Inc. is open: Sunday: 9:00 AM - 5:00 PM. Age and type of roof coverings. Our company does not perform such inspections, but we do manufacture and install custom hurricane shutters, impact windows and doors, and hurricane screens.