Congratulations! You’ve found your dream house and are ready for inspection day. If you’re going to get homeowner’s insurance, either because it is required or because you think it’s a good idea to protect your investment, there are a few different inspections that your insurance company may require before they will quote you or write a policy on the property.
Open a dialogue with your insurance agent or realtor before inspection day and find out which, if any, insurance inspections they will ask for on the property you are having inspected. You can save some money and time by having all of your inspections done at the same time. Plus. your insurance agent will be able to provide a far more accurate quote. Also, having all required inspections in hand increases the odds for a smooth closing.
The most common required inspections are Wind Mitigation Verification and Four Point inspection (see below). Your inspector is fully trained and qualified to conduct both these inspections.
Tips from Your Inspector Guy
- If you are thinking about making changes to your home that will improve the homes posture on the wind mitigation, consult with your insurance agent first to see how much of an additional discount you can get for the proposed changes. You can use this info to calculate return on investment and decide if it is worth it to you.
- A general rule of thumb, and this greatly varies by insurance company, is that a house 30 years or older will require a four point inspection.
- Ask your insurance agent to show you the wind mitigation discount calculation. It can be a complex calculation and it’s easy to make costly mistakes.
- Ask your agent to follow their underwriter’s discount policies to the letter. The underwriting may change your premium or even cancel your policy if their review of the wind mitigation reveals a discrepancy. Keep in mind this review may take up to a year – don’t be unpleasantly surprised!
- If your home was built to the 2001 FBC (permit application date on of after March 1, 2002) most insurance companies offer a standard discount package for 2001 FBC homes. Compare your premium calculated with a wind mitigation report to the standard package. Insist on the lower of the two premiums.
- The Florida Office of Insurance Regulation (FOIR) website is very informative and can answer many of your insurance questions.
Wind Mitigation Verification
A wind mitigation is not actually an inspection, but rather a verification of the installed protective features of the home. There is no pass or fail, only documentation of the home as it exists on the day of the inspection. The form is used to calculate discounts that apply toward the destructive wind rider (hurricane rider) of your homeowner’s insurance policy. All insurance companies have different discount policies, discuss this with your insurance agent. More information can be found at the Florida Office of Insurance Regulation (FOIR) website. This is a very helpful and informative site, it’s worth taking a look.
The form consists of seven different and independent sections. Your inspector will mark the form according to the type of feature present (or not present). Your insurance company will offer discount percentages based on the classification within each section. We, your inspector, do not know anything about discount amounts or how the discounts are calculated. Ask your insurance agent about that part, they have all of the answers.
The seven sections of the wind mitigation are based on the Florida Building Code (FBC), but are insurance requirements, not FBC requirements. Sometimes they are not the same. The seven sections:
- Was the house built to the 2001 FBC?
- Was the roof covering type and installation compliant with the 2001 FBC?
- What is the type of roof deck attachment system?
- What is the type of the roof to wall attachment system?
- What is the roof shape?
- Does the roof have secondary water resistance?
- What kind of opening protection does the house have?
To see a sample of a wind mitigation verification, scroll through document at the right.
Four Point Inspection
A four point inspection is an insurability inspection. Generally this type of inspection is required on homes that are around 30 years or older, but this varies by insurance company. So ask your insurance agent if they are going to require a four point inspection on the property you are looking to purchase.
What does the four point inspection cover? A very general function check of the below plus photo documentation.
To see a sample four point inspection form, scroll through the document at the right.
- Guy is an Affiliate of JTHS Association of Realtors as a Home Inspector. My clients have used Guy's services and been completely satisfied. Guy's professionalism helps ME, Help my clients get to the closing table!
Sharon Scott, REALTOR - SSRS at Coldwell Banker Real Estate Jupiter Florida
- Guy has done inspections for several of my clients and they were ALL extremely pleased with his thoroughness attention to detail.
-Thom Montrois, RE/MAX Properties
- I wish I could choose more than 3 best attributes to describe Guy's work. In addition to being reliable, punctual, and extremely personable, his work is impeccable. He is extremely thorough in his home inspections, taking photographs and detailed notes for the client's reference. He is also available for follow-up questions. I feel confident hiring Guy to do my home inspections, knowing that my clients will know exactly what they're buying. And, for my own reference, he is more than happy to explain to me any issues he finds during an inspection, so that I can review the results in detail with my clients.
I fully recommend Guy Hartman and Your Inspector Guy for your home inspection needs, whether you are a homebuyer, seller, or a real estate professional.
-David D'Onofrio, RE/MAX Properties
- I have recommended Guy to my customers repeatedly. They are always very satisfied with his inspection reports and feel that the inspection is complete and thorough. He takes the time to speak with them and answer any questions they may have. He is extremely knowledgable and trustworthy. Sincerely, Kristen
-Kristen Danzig, Realtor Jupiter & Juno Beach
- Simply, Guy is a thorough and knowledgeable home inspector. But what continually impresses me is Guy's ability to convey his findings in layman's terms, which not only educates clients and agents, but more importantly, calms the often anxious homebuyer. He is prompt, polite and a joy to work with. I use Guy on my personal purchases and always recommend him to my real estate clients.
-Katherine Scarim, Island Bridge Realty
- Guy Hartman at Your Inspector Guy Home Inspection Services provides consistent and excellent service in this industry. He has outstanding knowledge in his field and provides the client with an indepth report of the inspection and readily follows up with clients' questions. His assessment of issues which need to be addressed are handled in a professional manner without bias.
- Rosanne Tramonti, Coldwell Banker
- Great at what they do! They are always very honest and professional. And give great advice! Thanks Your Inspector Guy!
- Darrel did a great job in my latest inspection. On time, courteous and patient with my clients many questions ! I definitely recommend them.
-Emel Onur, LEAD Consulting Group
- As first time home buyers we were nervous going into the home inspection. Thank goodness we chose Guy and Darrel. They did a wonderful job and we could not be happier.
- Johnny and Brogan
- I have been using GUY for my inspections for a couple of years and he does an awesome job, my buyers and I have always been pleased.
- David McCallar, Golden Bear Realty