Florida’s record-level winds and storms these past 20 years have given homeowners’ insurance carriers a run for their money. The recent passing of SB 76 is part of a significant re-regulation in support of the insurance companies. Customers must show proof of a well-maintained roof and other home features to qualify for insurance and obtain the best rates possible.
4 Point Inspection
Starting at just $129.99
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
4 Point Inspection
Starting at just $129.99
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
4 Point Inspection
Starting at just $129.99
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
Watch This Video To See What a 4 Point Inspection Covers
Watch This Video To See What a 4 Point Inspection Covers
Required For Home Owners Insurance
- This type of report gives a clear understanding of the house 4 main structures to insurance companies.
If you own or purchase an older home, rental property, or condo in Florida, you will likely need for a 4 point inspection before purchasing a homeowners policy.
Most insurance companies will require a 4 point inspection when a home is older than 20 years, or a rental property. Sometimes even new homes are asked for a 4 point. You can get an insurance quote without an inspection, however, you will need inspection before actually purchasing the policy.
Can I use my regular home inspection instead?
You can provide your insurance company the full home inspection in lieu of a 4 point inspection. However, we strongly recommend that you don't do this. In our insurance agency, we ask clients to provide only a 4 point inspection rather than the entire inspection. Often, a home inspection will also list other minor and/or cosmetic damages. We don't recommend sending all the minor issues to your prospective insurance company (unless you have been asked to do this).
Can a home fail it's 4 Point Inspection?
If your home has problematic systems, or does not meet an insurance companies underwriting guidelines, you may be declined. If this happens, you can fix that issue, or contact another insurance company.
Common Ways Your Home Can Fail:
- A shingle roof that is over 19 years old
- A tile roof or metal roof over 40 years old
- A damaged roof
- Aluminum wiring or knob and tube wiring due to fire hazards
- Certain brands of electric panels including Federal Pacific, Zinsco, Challenger, and Slyvania due to fire hazard
- Home without central heat and air
- Polybutelene plumbing due to the high risk of plumbing bursts.
- A hot water heater over 18 years old.
What We Check For
Some insurance companies like Citizens Insurance, require the inspector to use their form. Other insurance companies allow the inspector to use their preferred format. In addition to the written report, the inspector will take photos of each of the major systems to provide to the insurance company.
- Roof: Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
- Electrical System: The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
- Heating and Cooling: Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
- Plumbing System: Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks? The age of the hot water heater.
Frequently Asked Questions
Why does my insurance carrier want a 4-point inspection report?
What does a 4-point inspection cover?
- Roof: We’ll let you know the approximate roof age and whether or not it needs to be repaired or replaced. Inspectors look at everything from the shingles, roof deck, and water drainage to soffits, ventilation, and seals around penetrations. We’ll also make recommendations if we feel it needs wind mitigation reinforcement.
- HVAC and ductwork: In a hot, humid climate like ours, homes need top-notch, well-maintained HVAC systems. Not only does this exponentially lower utility spending, but outdated or poorly functioning HVAC systems and ducts can negatively impact whole-home comfort, humidity levels, and indoor air quality.
- Plumbing system: First and foremost, we ensure there are no latent, hidden leaks and that the plumbing and fixtures are up to current code standards. We also verify water pressure and water heater installation/function.
- Electrical work: Shoddy electrical work, including old wiring, bad switches/outlets, or overloaded electrical panels, are a significant fire and safety risk. However, unlike your roof or your HVAC, electrical systems can appear to function normally right up until they fail.
Are inspections “pass or fail?” What does the report include?
Inspection reports are more detailed than “pass or fail.” They include an itemized list of the inspection areas and information about whether it’s in good shape or needs repairs and replacement. For example, if you’re inspection report indicates you need a particular roof repair, a copy of the final report and completed repair documentation from a licensed roofing contractor will satisfy the insurance carrier.
Can’t I skip the inspection to get a better deal on my new home?
We never recommend skipping a home inspection before purchasing a new home. We know it’s tempting, especially in today’s real estate market. However, skipping a home inspection may mean spending tens of thousands of dollars more than you would have if it turns out your home needs a new roof, HVAC system or has other expensive repair and replacement needs.
Your pre-purchase home inspection highlights major issues that need immediate attention, such as structural repairs/rot or home features that aren’t in compliance with current building codes. Rather than “missing out” on a good deal, a professional home inspection report may allow you to negotiate a far lower purchase price than your waived inspection would have.
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Otowninspections.com
Central Business District Orlando FL 32801
Mon - Sun: 7am - 9pm
contact@otowninspections.com
Your inspector is always ready to answer your questions.
Our support team is always ready to answer your questions.
Your Inspector is always ready
to answer your questions.
Proudly Servicing Orlando &
The Surrounding Area
Proudly Servicing Orlando &
The Surrounding Area
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