For many people in south Florida, their home is their largest investment. Hidden faults and safety issues can degrade the value of your home and lower your investments value.
If you live in Miami Dade and Broward County Florida or anywhere in Florida you should consider the benefits of having your home inspected by Home Inspection State Certify, LLC.
Having your home inspected by our company can save you costly repairs bills due to a number of potential problems and hazards issues you may not be aware of.
Our licensed and certified home inspectors will evaluate the working condition and age of the homes systems inside and outside. The inspector will record any deficiencies with the
Electrical, Plumbing, HVAC, Major Appliance, Roof and with Windows, Doors, Storm Shutters when it comes to wind related damage from hurricanes and tropical storms. We will inspect the
Fire protection smoke detector devices and means of egress ”exits protection from fire” inside the home.
What is a 4 Point Home Inspection?
It is the verification of the home's four main systems (Electrical, HVAC, Plumbing and Roof).
The inspection used to be for homes 30 years and older, but that has change. Insurance companies will ask for a 4 point inspection when buying a home and renewing the homeowners insurance policies.
The insurance companies are beginning to see the benefit of the 4 point inspection. The advantage to the insurance company is, of course, reduced loss risk on homeowners insurance policies. The insurance companies are looking for the four systems to be in "Acceptable Condition", generally good working condition or updated. "Acceptable Condition" for insurance companies means that each system are working as intended and there are no visible safety hazards or deficiencies with these systems.
The 4 Point Inspection Services must be completed and signed by a licensed inspector. Then after the inspection, a 4 point inspection from is submitted with a report and photos to the insurance company. The home owners application is evaluate by the insurance company for insurance. The inspection verifies the home's four main systems (Electrical, HVAC, Plumbing and Roof) are in "Acceptable Condition".
We at Home Inspection State Certify.com use the Citizens Home Insurance Company, 4 Point Inspection from plus a detail report with photos of the four systems.
What is a Wind Mitigation Inspection
In average Florida home owners overpays for home owner’s insurance premium by 20 percent or more. The reason: many homes already have wind mitigation features qualifying for a rate reduction, but they have not been identified and recognized by their insurance company.Wind insurance discounts are available for building features that reduce damage during high winds on all single family homes, townhouses, condos and commercial buildings. Most existing structures have at least one or more wind-resistive construction feature. Homeowner’s and condo associations also qualify for wind mitigation credits. Florida Statute 626.0629 states that insurance companies must offer Florida homeowners “discounts, credits, or other rate differentials” for construction methods in their homes that reduce damage and other losses from wind storms.
A Wind Mitigation Inspection has to be perform by a qualified licensed home inspector in order to identify and document any wind mitigation features the home may already have, to qualifies for a premium discounts mandated by law.
At Home Inspection State Certify,LLC our qualified licensed home inspector can perform Wind Mitigation Inspections and identify the necessary wind mitigation features to consider installing to the homeowner befor the next hurricane, as well for receiving the insurance discounts that are required by Florida law.
Thus hurricane wind mitigation is an action aimed at reducing the severity of damage and personal injury due to a home’s exposure to hurricane force winds. Installing Mitigation features to your home before the next storm increases a home’s resistance to damage and by reducing threats to personal injury.
Hurricane mitigation is therefore important because it can significantly reduce storm damage to persons and property. This is reflected in the fact that insurance companies will reduce premiums if a home has received proper hurricane mitigation measures.
In Florida, hurricane mitigation has the direct result of provisions in law aimed at saving the home owner money on property insurance costs.
Here is the provision in the Florida Statutes: Florida Statute 626.0629 states that insurance companies must offer Florida homeowners “discounts, credits, or other rate differentials” for construction methods in their homes that reduce damage and other losses from windstorms. A Wind Mitigation Inspection by a qualified home inspector serves to identify and document if a home already qualifies for such premium discounts mandated by law.
The average Florida home owner overpays for home owner’s insurance premium by 20 percent or more. Many homes may already have wind mitigation features qualifying for a rate reduction, but they have not been identified and recognized by their insurance company.
A wind mitigation inspections can determine if you qualify for a discount on your home owner insurance policy. A wind mitigation inspection is done by a state certified inspector, Home Inspection State Certify, LLC. Your insurance company will not accept an unqualified inspection report.
Home Inspection State Certify.com Wind Mitigation Inspections can identify wind mitigation qualifying features or actions a homeowner should consider installing for the sake of loss reduction and life safety, as well as for receiving the insurance discounts that are required by Florida law.
The fact that insurance companies will reduce premiums if a home has received proper hurricane mitigation measures.
We offer home buyer or seller thorough inspections for the following:
- Electrical System Inspection.
- Plumbing System Inspection.
- HVAC and Major Appliance.
- Roof Inspection : protection from up left.
- General Home Inspection: a detail inspection of the home’s interior and exterior systems.
- Wind Mitigation Inspection: covers the Windows, Doors, Roof and Storm Shutters when it relates to Hurricane force winds, flying debris and the roof system.
- 4-Point Inspection: a specific inspection insurance company request for current home owners when insuring their home. This Inspection focuses on the home’s Roof, HVAC, Plumbing, and Electrical.
Most Common Problems found during a Home Inspection:
- Faulty wiring: Outdated and worn out or missing electrical component are the most common problem.
- Roof problems: A common issue is no access to roof or attic "this is needed for a Wind Mitigation Inspection".
- Plumbing issues: Worn out or leaking pipes,faucets and toilets running.
- Air Conditioning and Heating Systems: not installed correctly or not maintained.
- For HVHZ (High Velocity Hurricane Zone) area of Miami Dade and Broward County. Window, Doors, Storm Shutters there are no Florida Building code or NOA products approvals code or documentation from the home owner to submit with the inspection report.
Professional Home Inspection Service with a 90 day Service and Purchase Guarantee.
Whether you are a home buyer or seller, Home Inspection State Certify, LLC can give you the peace of mind, only a complete home inspection can bring.