STATE OF FLORIDA - BOARD OF PROFESSIONAL ENGINEERS.
COMPANY LICENSE (Certificate of Authorization): C.A. 28738.
The licensed professional is required to certify the condition of the four major systems in this Home Inspection.
The 4 Point Inspection is the verification of the home's four main systems (electrical, heating, plumbing and roof) submitted in a form to properly evaluate an application for insurance. These 4-Point Inspection Services must be completed and signed by a verifiable inspector.
All Home Meters (AHM): Professional Engineers Inspectors performing 4 Point Inspections in South Florida.
We perform concrete, precise and technically supported professional inspection services (residential and commercial) with the best combination of qualifications, inspection report and turnaround time.
Which Real Estate properties need this 4-Point Inspection and Why.
Properties (older home, more than 30 years) are more vulnerable to loss if systems have not been updated.
In an older home, the underwriters want to see that the systems have been updated.
The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function and expecting the systems to be working as intended within the manufacturer’s specifications.
What does the Home Inspector look for in older homes.
They look for the minimum data needed for Underwriting in this Mitigation Inspection.
Current operating conditions.
The expected service life.
Scheduled maintenance requirements.
"Acceptable Condition" for insurance companies means that each system is working as intended and there are no visible hazards or deficiencies.
This Four-Point Inspection needs to be completed within the last year by an approved certified inspector (Engineer).
If this 4 Point Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
Who can sign off this Real Estate 4-Point Inspection.
The following licensed professionals can complete this Four Point Inspection in its entirety.
A Professional Engineer.
A general, residential, or building contractor.
A registered architect.
A building code inspector, or official who is authorized by the State of Florida to verify code compliance.
A trade contractor may sign off only on their trade component of the certified Residential or Commercial 4-Point Inspection.
What 4-Point Insurance Inspection form do we use.
There are no industry wide standard form for this Home Inspection.
Insurance company can provide their own insurance mitigation report; however, most insurance companies will accept forms from all companies, provided that they are filled out by qualified individuals.
We use a variance of the Citizens Home Insurance Company Report.
Our Citizens 4-Point Inspection form has been modified to show more possible hazards in the electrical part.
Panels: model, age, date of last update, capacity
Hazards present: blowing fuse, tripping breaker, over fusing, loose wiring, double tap, open spaces, breaker identification, improper wiring, exposed cables, improper grounding, Ground Fault Circuit Interrupter (GFCI), smoke detectors.
Central or portable.
Types of pipes.
Deficiencies: active or prior leaks, water heater and Temperature and Pressure Relieve Valve (TPR).
Age of covering.
Remaining useful life.
Last roof permit.
Signs of damages or deterioration: curling, lifted, loose missing shingles or tiles, leaks.
Which are the minimum photo requirements for a Four Point Insurance Inspection.
Open main electrical system panel and interior door.
HVAC (Heating, Ventilation and Air Conditioning) system (with dated manufacturer’s plate).
All hazards or deficiencies noted.
Photos must accompany each Inspection.
The 4 Point Insurance Inspection costs $120 and we can include a Wind Mitigation Inspection for $60 in the same order.
Re-inspection fee of $90 is charged by the Inspector.
What is our service area. Miami Dade.
4 Point Inspections Hialeah, Doral, Homestead, Florida, FL, Fort Lauderdale by the Sea, Beach, Coral Gables, Homestead, Kendall West, Kendale Lakes, The Hammocks, Pinecrest, Miramar, Pembroke Pines, Weston, Sunny Isles, Hallandale, Hollywood, Davie, Deerfield Pompano, Dania Beach, Tamarac, Margate, Sunrise, Plantation, Palmetto, Cutler Bay, Pinecrest, Aventura, Shores, Surfside, Sweetwater, Opa-Locka, Westchester, Bal Harbour, Bay Harbor Islands, Indian Creek Village, Springs, Shores, Medley, Key Biscayne Park, El Portal, West Oakland Park, Southwest Ranches, Hillsboro, Lauderhill, Parkland, Cooper City, Virginia Gardens, Calusa Club, Allapattah, Coconut Grove, Liberty City, Little Havana, Wynwood, Kendale Lakes, Olympia Heights, Little Haiti, Coral Terrace, Country Club, Fontainebleau, Glenvar Hights, Goulds, Leisure City, Princeton, Richmond West, Tamiami, The Crossings, Westview, Little River, University Park, Boca Raton.
Please, request your inspection.