4-POINT INSPECTION
Insurance companies require 4-point inspections for older homes because they are more likely to have issues with the four major systems of the home: the roof, electrical, plumbing, and HVAC (heating, ventilation, and air conditioning). These systems are critical to the safety and integrity of the home and are more likely to need repairs or replacement as a home ages.
A 4-point inspection is a limited visual examination of these four systems and is typically required by insurance companies for homes that are more than 25 years old. The inspector will check for obvious signs of damage, wear and tear, and will report on the condition of these systems.
The inspection is used by insurance companies to assess the risk of insuring the home, and the information gathered can be used to determine the availability and cost of insurance coverage. If the inspection reveals significant issues with any of the four systems, the insurance company may require repairs to be made before issuing a policy or may charge higher premiums to cover the increased risk.
Overall, 4 point inspections are used to assess the risk of insuring a home and helps to ensure that the home is safe and habitable for the residents, and the insurance company is aware of any potential issues with the home.
WIND MITIGATION
Florida has some of the strictest wind mitigation requirements in the country due to its location in an area prone to hurricanes. The state's wind mitigation inspection requirements include a visual inspection of the following:
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Roof covering: Inspectors will look at the type of material used for the roof, the age of the roof, and the presence of any damage or deterioration.
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Roof deck attachment: Inspectors will check to see if the roof deck is properly attached to the framing members of the home.
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Roof to wall connections: Inspectors will look at how the roof is attached to the walls of the home.
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Opening protection: Inspectors will check to see if there are any protection devices, such as impact rated windows or hurricane shutters at the home.
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Gable end bracing: Inspectors will check for the presence of bracing on the gable ends of the home to help prevent collapse during high winds.
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Garage door: Inspectors will check to see if the garage door is rated for high winds and if it is properly anchored.
In addition to the visual inspection, the inspector may also check for permit records and may take measurements of the home to document the findings. If a home meets all the requirements, the homeowner may qualify for a discount on windstorm insurance premiums.
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