4-Point & Wind Mitigation
A 4-point insurance inspection is oftentimes a requirement when obtaining a new homeowners insurance policy or renewing an existing policy for houses that are 25-30 years or older in the Central Florida area. This age range is not a “hard-rule” and we have seen insurers request these inspections on houses 5 years and older. The insurance agent or company sets the requirements and they will notify you if this additional report is needed.
This 4-point insurance inspection includes a limited scope evaluation of the following four systems:
- Roof
- Electrical System
- HVAC System
- Plumbing System
The inspections’ purpose is to determine the components, general condition, and age of these systems. The Insurance Company will typically require that the inspections be performed by suitably licensed and qualified persons. Check with your insurance company to see if our professional qualifications are acceptable.
A wind mitigation inspection is a report completed by Central Florida Building Inspectors that may help homeowners qualify for an insurance premium discount. These discounts are given to homeowners who have wind-resistance features on their property. These features decrease the amount of damage that may occur during a hurricane or heavy windstorm. This translates into less risk for the insurance company which means savings passed on to the homeowner. The main areas inspected during a wind mitigation evaluation are the wind-resistant features of the property. These will include the home’s construction, gable-end bracing, roof geometry and design, the roof to wall connections – i.e. clips, straps, etc., any special impact resistant glass, reinforced garage doors, hurricane shutters, a secondary water resistance barrier, and any other protection used to help prevent wind-borne debris damage. With your certified wind mitigation report, the insurance company will calculate the amount of discount.