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Wind Mitigation Inspections are done for savings on your home owner’s insurance. The inspector will check your doors and windows for impact rating and check your hurricane shutters for impact rating. Then the Home Inspector will check up in your attic for the roof deck attachment to your trusses or rafters, then check the truss or rafter attachment to the home. Finally the type of roof is inspected.
Not all home inspectors can perform Wind Mitigation Inspections. Continuing Education has to be maintained every other year. Quoted from the Department of Business and Professional Regulation,
“And 2 hours of hurricane wind mitigation which shall include training on completion of the ‘Uniform Mitigation Verification Inspection Form,’ OIR-B1-1802 (Rev. 01/12), incorporated by reference in Rule 69O-170.0155, F.A.C. (eff. 2/1/12). “
How much will your Wind Mitigation Inspection save on your Homeowner’s Insurance? That is impossible to tell from the Home Inspector. The list of variables is long: age of home, type of construction, number of stories, type of roof, age of shingles, type of roof deck attachment, truss attachment, location of home, insurance company, etc. Clients have told me of savings from $50 a year to several hundred dollars a year.
Start saving money now. Call me (click the button) and i-Inspect will get your wind mitigation done.
i-Inspect has now jointed FABI (Florida Association of Building Inspectors). If you see my truck around town, you may notice a new decal in the back window.
What does this mean for you? It means that I now have even more access to technical support and additional education, keeping i-Inspect the most technically advanced home inspection company in the Orlando and Central Florida area.
Four point inspections are primarily done for insurance companies. Most insurance companies want to see a four-point done for a home older than 20 years old, but I’ve had insurance companies request a four-point on homes newer.
A four point inspection is not a home inspection. It only covers four systems in the home and it does not cover the systems in the detail that a full home inspection does. It is to tell the insurance company the age of the major components, if those components are working, and the expected remaining life of those components. It will comment on the Electrical System, the Heating/Cooling System (HVAC), the Plumbing System and the Roof.
The Electrical System is checked at the breaker panels. Wiring type is identified (knob & tube, fabric coated romex, modern romex), Panel and breaker brand are identified. Wire type is identified (copper or aluminum).
Heating / Cooling system is checked for function. Brand is identified. Age of system is identified. Added units (gas heaters, etc.) are further investigated.
Plumbing System is checked for function (no apparent leaks). Plumbing type is identified (copper, poly, PEX, CPVC, etc.). Water heater is dated.
Roof system is visually examined for defects. Roof is dated from building permits or other documents.
If you have pretty red circuit breakers in your home, you may not be as safe as you should be. Federal Pacific Electric (FPE) went out of business after their breaker panel lost their Underwriters Laboratory (UL) approval. These breakers have a much higher than normal failure rate. They tend to fail in the worst way, that is they don’t trip at high current. The circuit becomes overloaded, the breaker does not trip at it’s rated amperage. This leads to catastrophic failures: wires overheating, insulation melting, smoke and fire.
FPE Stab-Lok panels are fairly easy to identify. They have bright red tops on the breaker levers and they trip to the middle of the panel instead of to the outside. If these are found in your home during a four-point inspection, your insurance company may not insure the home until this panel is changed out.
The good news is the panel can be changed out by a licensed electrical contractor. For your records and safety, make sure this work is permitted by the local agency (county or city building department).
Spring is springing up all around us in Florida now. Time to get out there and get the AC cleaned up and tuned up. Aside from changing the filter monthly, keep the area around the compressor clear. This will allow it to pull air in through the heat exchanger and work more efficiently. Keep shrubs, bushes and other plants at least a foot away from the unit.