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4 Point Inspection

A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in your home. An insurance company wants to know that your home has been well maintained, and the major systems are in good working condition. 

You Get The Report Before We Leave The Property

Same Day Scheduling

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Watch This Video To See What A 4 Point Inspection Covers

Our simple pricing structure is based solely on the square footage of the home without all of the additional fees charged by others in the industry. To top it all off, we perform a thermal scan of the home, we include insurance forms such as your 4 point and wind mitigation. All FOR FREE!

 

No Additional Fees

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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

 

- HVAC: 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.

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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 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.

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Roof Checked For Defects

The roof will be checked for cracks, cupping, curling, and any other sings of damage. The age of the roof will be documented along with all the permit information.

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4 Point Inspection

Service Name

A 4 point inspection 

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.

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$115

4 Point Inspection/Wind Mitigation Combo

Service Name

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A full wind mitigation inspection valid up to 5 years in length

A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. 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.

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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.

$180

  • What are toe-nails, clips, single wraps, and double wraps?
    - Clips: metal connectors that are attached to the roof truss and the wall plate. They are designed to transfer the uplift forces from the roof to the walls during high winds. Clips are typically made of galvanized steel or stainless steel and are available in various sizes, depending on the roof pitch and the spacing of the trusses. The primary advantage of clips is that they are relatively easy to install and are cost-effective. - Single Wraps: Single wraps are metal straps that are wrapped around the truss and secured to the wall plate with nails or bolts. Single wraps are usually made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of single wraps is that they provide a more robust connection than clips, but they are more expensive and challenging to install. - Double Wraps: Double wraps are metal straps that are wrapped around the truss twice and secured to the wall plate with nails or bolts. Double wraps are typically made of galvanized steel or stainless steel and are available in various sizes. They are designed to transfer the uplift forces from the roof to the walls during high winds. The primary advantage of double wraps is that they provide the most robust connection and are typically required for homes in high wind zones. - Toenails: Toenails are nails that are angled at a 45-degree angle and are driven through the roof truss into the wall plate. Toenails are the least effective type of roof-to-wall connector and are typically only used in older homes. They do not provide adequate resistance to uplift forces during high winds and are not recommended for use in new construction. In regards to the wind mitigation form, clips or straps that do not meet the minimum qualifying requirements, are considered “toe-nails.”
  • How often do I need to get a "Wind Mitigation Inspection" for my home insurance?
    Wind mitigation inspections in Florida are valid for five years. Put another way, you pay for the inspection, but it saves you money on your home insurance premium every year for five years.
  • Are their things I can do to increase my savings?
    You can start by adding impact rated windows and doors. This can increase savings up 1% to 5%. Having a new roof with a "SWR" installed can help you save a ton as well. However, theirs not much else you can do besides these 2 things. Everything else would require a complete new roof structure. It's important to get a wind mitigation before you buy a home because of this. Things like roof shape and roof to wall connections can not be changed easy or cheap.
  • What do you mean by "8d and "6d Nails"?
    This just refers to the size of the nails. For example, an 8d nail is better for discounts because they are 2.5 inch in length vs the 6d nail which is 2 inch.
  • What if my home scores bad on this inspection?
    Most people don't file for insurance with a wind mitigation anyways. That's why they pay a lot more then someone who has had one done and applied for those discounts. So if the house does score bad, you would probably be spending the same as you would have before having the inspection done. It never increases what you would pay it can only lower or maintain your price for insurance.
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