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Shelton Home Inspections offers all necessary inspections related to acquiring and renewing homeowner’s insurance in the state of Florida.
A 4-point inspection is an insurance underwriting report used to determine the cost and insurability of the four main components of the home including plumbing, electrical, HVAC and roofing system.
A wind mitigation Inspection is used to determine wind-resistant features on the home to determine eligible insurance discounts.
Homeowner’s insurance companies are increasingly requiring a roof inspection to be completed on homes with older roofs to certify that your roof has 4 or more years of life expectancy remaining.
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A 4-Point Insurance Inspection Is Needed if obtaining or changing insurance
If buying a home over 15 years of age, most insurance companies will want a “passing” 4-Point. Ordering a 4 point during the inspection process is key so you know all of the issues and can negotiate to have them fixed prior to closing. Or maybe you own your home and are shopping for insurance.
A 4-point inspection is important because it analyzes the major things that can go wrong with your home. Most homeowners will tell you that the plumbing, electrical, HVAC, and roofing system are always the major issues. Most of these areas can last for multiple years, but these are also the most cost-effective things a home will probably need. First of all, a good roofing system is important for any home. If a roof is installed incorrectly, you could have leaks in all the wrong places. This can lead to mold finding its way into your home. Your HVAC unit is also a central piece, providing your home with proper temperature control. Most furnaces last up to 15 years and the last thing you need is to replace this unit in the middle of winter. If your plumbing has any pre-existing issues with it, you could find leaks in both your kitchen and your bathroom. Lastly, while losing power is one thing, having wires incorrectly installed can lead to a huge fire hazard in your home.
While some of the issues listed above may never occur in your home, it’s better to be safe than sorry. By utilizing a 4-point inspection you can feel confident that your home is ready to be lived in.
Many insurance companies are requiring a new 4-point if shopping for new insurance, changing carriers, or if you haven’t had one in a while. We provide the 4-point inspection and also recommend a wind mitigation inspection if you haven’t had one within 5 years for any applicable roof and opening protection discounts. Call (727) 417-6020 today.
Does Your Home Have Wind Mitigation Discounts?
A wind mitigation inspection is used to determine wind-resistant features on the home to determine eligible insurance discounts. Examples of wind-resistant features include certain types of roof covering, attachments to the roof deck, roof-to-wall attachments, the geometry of your roof, gable-end bracing, wall construction type, secondary water restraint, and open protections. This type of inspection is available for single-family homes, townhomes, and condominiums that have all impact-rated windows and doors.
A wind mitigation inspection can potentially save you thousands of dollars on your homeowner’s insurance. Did you know there are up to 7 different discounts that can be applied from a Wind Mitigation? Shelton Home Inspections are certified wind mitigation inspectors and we have the experience to help you determine if you qualify for these insurance discounts.
Don’t wait, take advantage of these discounts by calling us today. With a simple analysis, we’ll know if our services of a wind mitigation inspection would benefit you. If you have any questions, please reach out to us today. You can also read our FAQs for any quick answers you’re looking for when it comes to our company and the services we perform.
ROOF CERTIFICATION INSPECTIONS
Do You Need a Roof Certification Inspection?
A roof certification inspection can reveal important information about your roof or the roof of the home you’re planning to purchase.
For a single-family home with a shingle roof that is more than 25 years old, Citizens Property Insurance requires a roof certification inspection to determine if your home’s roof has at least a four-year life expectancy. If your home is 50 years or older with a tile roof, it will also need this inspection.
During the inspection, Shelton Home Inspections will determine if there’s any visible damage or active leaks in your roof system as well as estimate the expected remaining life of the roof.
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