A four-point inspection is a Florida specific inspection (although other states are beginning to adopt their own version) that tells home insurance companies the condition of a home. Typically, insurers will request this report to be completed to write a new policy for homes 30 years old or greater. However, it has been heard that a few will request the form as early as 10 years old.
That being said, what are the four points you may ask? Good question. The four-points are the general working condition of the roof, electrical, plumbing, and A/C systems. Although the inspectors are looking for general conditions, there are a few items that insurers pay extra attention to. We will cover a few items here. Future posts will cover the points in more detail, but reviewing this post can warn you about hefty repairs. (NOTE: A Four-Point inspection is not a replacement of a home inspection. This inspection is made for insurance companies only due to many reasonings.)
Here are some warning signs to insurance companies:
- How old is your roof? Does it have a life expectancy of 3-5 years? As time progresses, insurers are looking for at least 5 years of life left on the roof before they insure.
- Does your roof show signs of current/active leaks? Your inspector should walk the roof and attic to find evidence of these.
- Is your flat roof have “ponding” water? This is a sign that your flat roof is not draining properly and can shorten the life expectancy.
- Do you have aluminum wiring? Your inspector will remove your electrical panel covers to look for aluminum wiring. The main issue here is aluminum and copper wiring expand at different rates and when connected together, can loosen their connections overtime, therefore potentially creating a spark or fire.
- Do you have a particular branded panel? These are: challenger, FPE, and Sylvania. These panels have been known to have certain safety issues.
- Is your home wired properly overall? This is a general safety item that covers items like: exposed wiring, double tapped wiring, and grounding.
- Does your A/C system operate and cool the home?
- What kind of heat system do you have? Home insurance companies do not like space heaters.
- Do you have any signs of leaks?
- Do you have Polybutylene plumbing? This is gray flexible piping (typically through the attic) that has been known to leak at the connections due to poor installation.
This post is not to be taken as full coverage of the report, but as a quick reference to major defects insurance companies can request to be repaired or replaced before insuring your home.
If you have any questions, feel free to reach out in the comments or contact us!
The wind mitigation inspection form was created around 2004, by the state of Florida in order to require Florida home insurers to give credits or discounts to those home owners who meet certain building code requirements.
The report, also known as the 1802 form, is seven questions. Each one will be broken down below:
1. Building Code
To receive this credit, your home must have a building permit application date after March 1st, 2002. If your home was built before this date, it is not necessarily a bad thing, it just means you do not qualify for a discount.
2. Roof Covering
Do you have a newer roof? To receive this discount you must have a roof permit application date after March 1st, 2002.
3. Roof Deck Attachment
What is holding your roof deck sheathing down? This is a question about the type of nail and how many were used. This can be found in your attic using a metal detector. Your inspector can tell you what you have installed, but new roof coverings, after 2007, are required to have an 8d nail installed every six inches which qualifies for a discount. Keep in mind, there are other ways to receive this discount without having a new roof.
4. Roof to Wall Attachment
What is the weakest roof to wall connection? Your home may have (listed from weakest to strongest): toenails, clips, single wraps, or double wraps. Again, this discount can be confusing as certain attachments require a certain number of nails.
5. Roof Geometry
What is the shape of your roof? The roof shapes are: hip, flat, or other. Most homes fall in the “other” category. To receive the discount, your roof covering must be hip which means 90% of your roof slopes down to an exterior wall at a pitch greater than 2/12. In simple terms, the triangles above garage doors and entry doors restrict you from receiving this discount.
6. Secondary Water Resistance
Roof coverings have an underlayment installed. The type of underlayment can be viewed from the attic, but to qualify for the discount, your underlayment must be self-adhering. Secondary water resistance (SWR) is typically sticky and shiny.
7. Opening Protection
The hardest discount to receive is if your home has impact rated shutters or windows. This is an all or nothing discount meaning every window must be protected by an impact rated shutter, fabric, or be an impact rated window. Documentation of impact rating has to be proven so it needs to be available to the inspector; keep all receipts of shutters or window installations.
Moreover on this discount, if all windows and doors (garages, entry doors, side entry doors) are impact rated or having a shutter, then your home qualifies for the best opening protection credit.
Some things to keep in mind on your wind mitigation report.
As you receive more discounts, the amount in credit diminishes. Before you purchase shutters or a new roof to receive a discount, talk with your agent about how much money the adjustment to the report will save you. Sometimes, it may not be worth the investment.
The wind mitigation is not a pass or fail inspection, it can only help you depending on what you have. The typical cost of a wind mitigation inspection is $100 from a licensed home inspector.
You may view this page here for resources or contact us with your questions!
Not only are we going to cover what a home inspection is, but the importance. You might think the answer is, “so I know what is wrong with the house”, but there is more to a home inspection than just that.
A home inspection by definition is a: “limited, non-invasive examination of the condition of a home, often in connection with the sale of that home.”
With that knowledge we can dive a little deeper.
Home inspections are only visual inspections; although there are standards of practice, inspectors are not required to move objects in order to get to items or places they could not normally get to. This is typically due to liability issues. For instance, if an inspector moves a shelf to reach a water heater and the shelf scratches the wall, the inspector now has to pay for the repair. Accidents happen, and that is why the industry attempts to limit liability.
Now the home inspection report is delivered to you and you know what is wrong with the house, what makes the process so worth your while?
Quite simply, the home inspection report should be used for negotiations in order to save you money!
If an electrical panel or roof has to be replaced, you can request the seller to assist you in replacing the item. Therefore, you just made your return on investment with the home inspection report!
Some may say, an inspector that is too detailed is a bad thing, however, this is not the case in most instances. Home inspectors are there for your family’s safety and to save you money. They are third-party companies that have no interest in the transaction. Ultimately, a detailed inspector or inspection company is a GOOD THING!
In the sale of a home, a buyer should do their research on their home inspector to make sure he is detailed for reasons above. If you are not sure what to look for in a home inspector, you may find this article relevant.
Comment your questions or contact us! We are always happy to assist.