4 Point Inspection Cost: $120, for single family homes with less than 3,000 square feet. By Professional Engineers.
Call 305-606-4732 or 786-318-7203.
YOU DESERVE THE BEST, PLEASE DO NOT SETTLE FOR LESS.
FLORIDA BOARD OF PROFESSIONAL ENGINEERS.
COMPANY LICENSE (Certificate of Authorization): C.A. 28738.
The 4 Point Inspection Form states the verification of the home’s main systems: electrical, HVAC (Heating, Ventilation and Air Conditioning), plumbing and roof, submitted in a form to properly evaluate an application for insurance. These Home Inspection Services must be completed and signed by a verifiable inspector.
Which Real Estate properties (residential/commercial) need these Inspection Services 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.
*They look for the minimum data needed for Underwriters in the Point Insurance Inspection.
Current operating conditions.
The expected service life.
Scheduled maintenance requirements.
"Acceptable Condition" for homeowners insurance companies means that in the Inspection Report, each system is working as specified and there are no visible hazards or deficiencies.
*This Home Inspection needs to be completed within the last year by an approved certified professional (Engineer).
*If this Inspection indicates unacceptable conditions, the policy is not eligible for coverage.
The following licensed professionals can complete the 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 Inspection (Residential or Commercial Inspection).
*What Insurance Inspection form do we use.
There are no in the Insurance Company industry wide standard form for this Inspection.
Insurance companies can provide their own Inspection report; however, most insurance companies will accept forms from all insurance companies, provided that they are filled out by qualified individuals.
We use a variance of the Citizens Four Point Inspection Report.
The Citizens Insurance Company Inspection form has been modified to show more possible hazards in the electrical part of the home.
Inspection for older homes.
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 water damage or deterioration: curling, lifted, loose missing shingles or tiles, leaks.
The licensed professional is required to certify the condition of the four major systems in these Insurance Inspections.
Which are the minimum photo requirements for these Home Inspections.
Open main electrical panel and interior door.
HVAC system (with dated manufacturer’s plate).
All hazards or deficiencies noted.
Photos must accompany this Insurance Inspection in Florida.
This Four Point Inspection costs $120 and we can include a Wind Mitigation Inspection for 50% off (on sale now) in the same order.
Re inspection fee of $90 is charged by the Inspector.
Please request a quote.
Wind Mitigation, 4 Point Insurance Inspection Broward County, Hialeah, Fort Lauderdale, Coral Gables, Homestead,
Owner, Insurance Company or Insurance Agent: Please, request your full Building Inspections.