All Home Meters (AHM): Professional Engineers Inspectors performing residential and commercial 4 Point Inspections.
What is a 4 Point Inspection ?
The Four Point Inspection is the verification of home's main systems (electrical, heating, plumbing and roof) submitted in a form to properly evaluate an application for insurance.
What is our service area?
Four Point Inspection in Dade Broward County Hialeah Kendall West Hammocks Homestead Doral Coral Gables Fort Lauderdale Weston Miramar Hollywood Pembroke Pines Hallandale Beach Aventura Sweetwater Opa-Locka Oakland Park Cooper City David Dania Deerfield Hillsboro Pompano Beach Plantation Sunrise Lauderhill Tamarac Margate Parkland Florida FL.
What do insurance inspectors look for?
They look for the minimum data needed for Underwriting:
- Current operating conditions.
- The expected service life.
- Scheduled maintenance requirements.
"Acceptable Condition" means that each system is working as intended and there are no visible hazards or deficiencies.
The Insurance Inspection needs to be completed within the last year by an approved certified inspector (Engineer).
If the Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
The licensed professional is required to certify the condition of the four major systems in the Inspection.
Which are the properties needing this and Why?
- Real Estate properties older than 30 years are more vulnerable to loss if systems have not been updated.
- If the home is an older home, insurance companies 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.
Who can sign off the Four Point Inspections?
The following licensed professionals can complete this Home Inspection in its entirety:
- A Professional Engineer.
- A general, residential, or building contractor.
- A building code inspector.
- A registered architect.
- A home inspector.
- A building code official who is authorized by the State of Florida to verify building code compliance.
A trade contractor may sign off only on their trade component of the certified Inspection report.
What Inspection Form do we use?
⦁ There is no industry wide standard form for this type Home Inspection.
⦁ Some Insurance companies provide their own insurance inspection report - insurance mitigation report; however, most insurance companies will accept forms from companies that perform home Inspections provided that they are filled out by qualified individuals.
⦁ We use a variance of the Citizens Inspection Form.
⦁ Our Citizens Inspection Form has been modified to show more possible hazards in the electrical part.
Which are the minimum photo requirements?
⦁ Front elevation.
⦁ Rear elevation.
⦁ Open main electrical panel and interior door.
⦁ HVAC heating system (with dated manufacturer’s plate).
⦁ All hazards or deficiencies noted.
Photos must accompany each report submitted.
How much does the inspection cost?
Inspection is $120 and we can include a Windstorm for $60 in the same order.
Re-inspection fee is $90.