Florida home inspection, wind mitigation and 4-point insurance inspection information.

 

Are home inspectors required to be licensed?

As of July 1st, 2011, all Florida home inspectors must have passed the mandatory State education and are required to be licensed. Home inspectors are regulated by the Department of Business and Professional Regulation, DPBR.

Are there different types of home inspections I should consider?

Yes, there are several home inspections you should consider as well as two you may be required to have performed by your insurance provider, a four-point and wind mitigation inspection.

Will my mortgage company require a home inspection?

Most likely not but we highly suggest having one done. Certain mortgage types, such as FHA or VA, may require an inspection of some components (see our VA and FHA pages, tabs in the navigation bar on left) and your insurance provider may require certain inspections as well. (see Wind Mitigation and Four-Point below)

Can one inspection company perform all these inspections?

Generally inspection companies are licensed and certified to perform a home, four-point and wind mitigation inspection.

Do you choose our home inspector?

Absolutely not. You have the choice of what inspection company you want. We do provide a list of local companies in our Service Provider page for your convenience but whom you choose, whether on the page or not is your choice alone. We are not paid or accept any money or other kickback from any service provider nor do we charge them an advertising fee. We will schedule and attend all inspections.

Home Inspection

A general home inspection will cover major components such as structure, electrical, roof covering and flashings, attic spaces, foundation, crawlspaces, central heating, and air and plumbing. They will also do an inspection on a swimming pool, irrigation systems and appliances.

Items should include but may not be limited to:

  • Roof, vents, flashings and trim.
  • Gutters and downspouts.
  • Skylight, chimney and other roof penetrations.
  • Decks, stoops, porches, walkways, and railings.
  • Eaves, soffit and fascia.
  • Heating systems.
  • Cooling systems.
  • Septic and well systems.
  • Main water shut off valves.
  • Water heating system.
  • Interior plumbing fixtures and faucets.
  • Electrical service line and meter box.
  • Main disconnect and service amperage.
  • Electrical panels, breakers and fuses.
  • Grounding and bonding.
  • GFCI’s and AFCI’s.
  • Fireplace damper door and hearth.
  • Insulation and ventilation.
  • Garage doors, safety sensors and openers.

 

Four Point Inspection

A 4-point inspection may be required by your insurance provider depending on the age of your home in order to receive homeowner insurance. Although insurance company requirements differ, a general rule is a home twenty-five years or older usually require this inspection. Your representative will tell you if one is required or not.

What is a four-point inspection?

Insurance companies require inspections on four items; roof, electrical, heat/air and plumbing. Inspections must be performed by a certified, licensed inspector and catalog the findings on specific forms.

Specifically, the inspection will cover:

  • Roof : The condition of the roof and approximate “life” left. The inspector will check for prior permits to see if the roof was replaced and if so, what year.
  • Electrical System: The amperage of the main service, any dangerous wiring, circuit breakers, dates of any upgrades and sometime the maker of the electric panel. Some panels may be on a replacement list before insurance coverage will be provided.
  • Heating and Air Conditioning: Manufacture date of the unit, if the system if functioning correctly and approximate life left in the unit. The inspector may look to see if the inside unit (air handler) and outside unit (condensing unit) are matched, that is, compatible with each other.
  • Plumbing: The type of piping (copper, plastic etc.) is installed, if the system has been upgraded by permit, and any leaks or other problems. The water heater system will also be inspected for proper function and installation.

 

Wind Mitigation

A wind mitigation inspection entitles you to certain reductions in insurance premiums regardless when your home was built. Insurance companies require information about certain construction components such as unprotected openings like windows and doors.

Inspectors also look for truss tie-downs, number of nails in roof decking and shingles, exterior construction type and roof age.

Wind codes changed and were improved over the years and are factors in the cost of homeowners insurance premiums. A thorough inspection can reduce premiums and help protect your investment.

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