Four-Point, Wind Mitigation & Roof Inspections
Destin, Perdido Key, Pensacola, Gulf Breeze, Navarre, Ft Walton Beach
Four-Point Inspection
A Florida 4-point inspection examines the current condition of a residence, reviewing four major systems: roofing, electrical, plumbing and HVAC.
This specific inspection is requested by homeowners insurance companies
before policies can be renewed, or to determine of a property is eligible for coverage.
- Roof
- Type of Roof Covering (shingles, tile, rolled). The age and condition
of the roof. Are there missing shingles or active leaks?
- Electrical System - The type of the wiring in the home (copper, aluminum, knob & tube). The brand of the electrical panel. The condition of the homes electrical system.
- Heating and Cooling - Is there central heat and air in the home? The age and condition of the system. Are there signs of corrosion?
- Plumbing System - Type of supply and drain lines found in the home (copper, PVC,
galvanized, lead, polybutylene, etc.). Is there evidence of current leaks or drainage issues?
The age of the hot water heater, etc..
Wind Mitigation Inspection
The Florida wind mitigation inspection enables homeowners to receive discounts based on certain building attributes. There are 7 areas of the residence that may result in a premium discount if the property meets certain criteria, these areas include:
- Building Code (when constructed)
- Roof Covering
- Roof Deck Attachment
- Roof to Wall Attachment
- Roof Geometry
- Secondary Water Resistance
- Opening Protection (Windows, Doors, Shutters)
Roof Certification
The Florida roof certification inspection is often requested by Homeowner Insurance Companies to determine if the roof is nearing the end of its functional life - the inspection is normally completed by a Florida licensed home inspector. After the inspection, a 2-page report with photos describes any damage, repairs, and/or other issues that may be pertinent to the roof. Generally, insurance companies require that the roof have 5 years or more of useful life.
Destin, Perdido Key, Pensacola, Gulf Breeze, Navarre, Ft Walton Beach
