INSURANCE INSPECTIONs

WIND MITIGATION INSPECTION

Simply put, a wind mitigation inspection (also called a windstorm mitigation inspection) is where a certified inspector looks over a property for specific weather withstanding features. These features can be anything from door/window coverings to the way your roof is attached to your home and how your roof is sealed to prevent water from entering. Though a wind mitigation inspection is not required to get Florida homeowners insurance, it can result in substantial savings.
These are some of the features the inspector will assess and suggest improvements for.
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• Roof covering: The inspector will start off with the basics. For the roof, that’s the covering – the material it’s made of. The inspector will also take a look at the age of the roof and condition it’s in. So if it’s been replaced recently, provide the permit you had for the construction; it’ll help you in the long run.
• Roof-deck attachment: This is how the shingles are secured to the roof deck and how the roof deck is secured to the truss/rafters. During this part of the inspection, the inspector will even look at the length of the nails, which can determine the discounts you can receive.
• Roof-to-wall connection: This tells the inspector how well your roof is attached to the walls of your property and how it would withstand intense hurricane winds.
• Secondary water resistance: The inspector will look to see if you have a protective layer that sits between the primary layer of the roof and the insulating layer of your roof. 
• Roof geometry: This is the shape of your roof. The roof shape determines how well your roof may withstand a windstorm.
• Opening protection: The inspector will take a look at the windows and doors to see if you have extra protection on them. For instance, they will check for shatterproof windows, bracing on the garage door, hurricane-rated doors, and storm shutters. 

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4 - POINT
INSPECTION

A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home.   An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition. This is not a safety inspection.  They are done by a licensed inspector or  building contractor. 
Here is what a 4 point inspection looks at:
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• Roof -  Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?

• Electrical System -  The type of the wiring in the home (copper, aluminium, knob and 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 leaking?

• Plumbing System -    Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks?  The age of the hot water heater.

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ROOF CERTIFICATION

Proof of roof replacement, or a Roof Condition Certification Inspection will be required for homes that are 25 years old and older if it has a shingle roof.  Homes with tile or metal roofs, and mobile homes 50 years or older will also be required to have the Roof Condition Certification form filled out. 

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​Insurance Inspection pricing

Sq.Ft	Wind ​Mit.	4 ​Point	Wind  ​+ ​4-Point	Roof ​Cert. ​
0001 - 1000	$150	​$150	$185	$145
1000 - 2000	$175	$175	$200	​$170
2000 - 3000	$200	$200	$215	​$195
3000 - 4000	$225	$225	$275	$220
4000 - 5000	$250	$250	$300	$245
5000 - 6000	$275	$275	$325	$270
6000 - 7000	$300	$300	$350	$295
7000 - 8000	$325	$325	$375	$320
8000 - 9000	$350	$350	$400	$345
9000 -10K	$375	$375	$425	$370

*Prices May Vary