A Home Inspection is a limited visual, functional, non-invasive inspection, conducted for a fee and includes the preparation of a home inspection report of the accessible and visible elements of the following systems and components of a residential building: structural, exterior, roofing, plumbing, electrical, heating, cooling, interior, insulation and ventilation, fireplaces and solid fuel burning appliances, but excluding recreational facilities and outbuildings other than garages or carports. The home inspection is based on the observations made at the time of the inspection, and is not a prediction of future conditions. The inspection report will not reveal every issue that exists or ever could exist, but only those material defects observed at the time of the inspection. The report is only supplementary to the seller’s disclosure. The purpose of the home inspection is to identify and report on material defects found in those systems and components. A material defect is a specific issue with a system or component of a residential property that may have a significant, adverse impact on the value of the property, or that poses an unreasonable risk to people. The fact that a system or component is near, at, or beyond the end of its normal, useful life is not, in itself, a material defect of the dwelling and does not include decorative, stylistic, cosmetic, or aesthetic aspects of any system, structure or component. Accessible means available for visual inspection without requiring the moving of personal property, dismantling, destructive measures, or any action which will likely involve risk to persons or property.
A Wind Mitigation Inspection is a valuable Inspection service that may reduce your Windstorm Insurance. Wind Insurance discounts are available for building features that reduce damage during high Wind events. The Wind Mitigation discounts are justified because stronger, more Wind-resistive structures have lower Windstorm losses, which mean reduced costs to Insurance Companies. Most existing structures have one or more Wind resistive construction features and may qualify for some Wind Mitigation Insurance discounts. Wind Mitigation Inspections are available for all single family Homes, town houses and condos. Homeowner and Condo Associations also qualify for Wind Mitigation credits. Insurance companies in Florida are required to recognize submitted Wind Inspections performed by qualified personnel and will provide discounts based on the construction and/or mitigation features of your Home. A Wind Mitigation Inspection and documented findings may “SAVE” you, the Property owner 5% to 82% on your Wind Insurance Premiums. There are currently 9 qualifying discounts and I will Inspect all 9 areas to help you get the best discount available. The 9 features that merit a discount include: 1.Verification of the FL building code that the structure was designed and built to (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit) 2.Verification and Inspection of the Predominant Roof covering installed (1994 South FL Building Code or the 2001 Florida Building Code or better will benefit) 3.Inspection of the Roof deck attachment including the size & spacing of nails/screws/adhesives that can certify an uplift of a) 55 psf, b) 103 psf, or c) 182 psf or better (103 psf, 182 psf or stronger will benefit) 4.Inspection of the Roof to wall connection on EVERY rafter/truss of a) toe nails, b) clips, c) single wraps, d) double wraps, or e) structural connection (anything better than toe nails will benefit) 5.Determination of the Roof geometry – a) Hip Roof, b) Non-Hip Roof, or c) Flat Roof (a Hip Roof with less than 10% of any other Roof shape and less than 100 sq ft of flat area will benefit). 6.On a gable Roof, the Inspection of any gable end bracing that meets the 2001 FL building code or stronger will benefit (currently this credit is not being given by many Insurance companies). 7.Verification of the wall construction type – a) wood frame, b) un-reinforced masonry, c) reinforced masonry, or d) poured concrete (reinforced masonry or poured concrete equaling 70% or more of the wall construction will benefit although each company views this differently). 8.The Inspection and verification of any Secondary Water Resistance applied to protect the dwelling from water intrusion (currently only a self-adhering polymer modified bitumen “peel and stick” or a foam adhesive barrier applied to every seam on the Roof deck and applied to each side of every rafter or truss will benefit). 9.Verification and Inspection of Wind borne debris protection on every exterior opening – including the Windows, doors, garage doors, & skylights (Impact Resistant coverings that meet the FL Building Code or Miami-Dade approval will benefit the most. Non Miami-Dade or Non FL Building Code shutters along with plywood or OSB coverings depending on how strong and how it is installed may receive a discount). The following FLORIDA LICENSED individuals may complete the OIR-B1-1802 (Rev. 01/12) Wind Mitigation Inspection form; • Home inspector licensed under Section 468.8314, Florida Statutes who has completed the statutory number of hours of hurricane mitigation training approved by the Construction Industry Licensing Board and completion of a proficiency exam. • Building code inspector certified under Section 468.607, Florida Statutes. • General, building or residential contractor licensed under Section 489.111, Florida Statutes. • Professional engineer licensed under Section 471.015, Florida Statutes. • Professional architect licensed under Section 481.213, Florida Statutes. • Any other individual or entity recognized by the insurer as possessing the necessary qualifications to properly complete a uniform mitigation verification form pursuant to Section 627.711(2), Florida Statutes. Individuals other than licensed contractors licensed under Section 489.111, Florida Statutes, or professional engineer licensed
A Four Point Inspection consists of a visual and/or operational test of the air-Conditioning, heating, plumbing, Roof covering, and electrical. What exactly is a 4 Point Insurance Inspection and do I need one? Most Insurance companies today require a 4 Point Inspection to be performed on a Home in order for you, the Home Buyer to receive Homeowners Insurance. Especially on homes of 25 years or older. These 4 Point Insurance Inspections are to be performed by Certified, licensed and insured 4 Point Inspectors and cannot be performed by the Home owner themselves. What does the 4 Point Insurance Inspection Cover? All 4 Point Inspections include a limited scope evaluation of only the following Four most specific systems and components: •Roof – Insurance companies want to know the Condition of the Roof as well as the approximate year the Roof might need to be replaced •Plumbing – Insurance Companies are looking for what kind of piping (copper, plastic etc.) is being used, dates if the system has been upgraded, any leaks or flaws and information about the hot water heater •Electrical System – They want to know size of the main service, any dangerous wiring, dates of any upgrades and then SOME not all Insurance Companies want to know the maker of the electric panel and if there is any aluminum wiring •Heating and Air Conditioning – Looking for the date of installation, approximate life of the unit and if the system if functioning correctly All Companies Performing 4 Point Inspections Must be Licensed: As of September 30, 2012, "all 4 Point Inspection forms must be Inspected and completed by a verifiable Florida licensed professional. Without a verifiable, “Certified 4 Point Inspector’s dated signature, the 4 Point Inspection form will not be accepted. The following FLORIDA LICENSED individuals may complete a 4 Point Inspection; •A general, residential, or building contractor •A building code Inspector •A registered architect •A Home Inspector •A professional engineer •A building code official who is authorized by the State of Florida to verify building code compliance
A Renters inspection is a report that Renters, Landlords and or Property Managers can add to an agreement or contract. With a detailed report with pictures and comments of the Before and After condition of the property, you will have the documentation that can be very valuable in settling disputes that commonly arise between Renters and Landlords. The report ensures that the landlord and tenant have a common understanding of the condition of the property at the beginning and end of a tenancy. How it works: • You have a Pre-Lease inspection conducted that will document the condition just prior to moving in. • At the end of the lease you have another inspection that documents the condition of the property after the move out. • You compare the 2 reports. You can easily find any discrepancy. • This will give you the documentation you need to settle most disputes that involve the return of your security deposit. Benefits: • You get an unbiased, objective Third Party report which can give you leverage. • Clear Documentation and comparison of the Before and After conditions. • Helps settle most disputes between parties involved. What is Inspected (A rental inspection is Not to be confused with a detailed real estate home inspection) Even though a Rental inspection is also a Visual - Non-Invasive examination of the building, it does NOT give advise and recommendations of maintenance, structural and mechanical defects that a real estate home inspection would entail. Rather, it puts the focus on those areas that are usually damaged during the term of a lease. Conditions and operation of the Garage, Interior rooms, Ceilings, Walls, Floors, Windows, Doors, Kitchen, Bathrooms, Electrical and Plumbing for leaks. What is Not Inspected. We do not report on appliance maintenance and or conditions. We do not report on the condition of the water heater, furnace, air conditioner or make any recommendations to their servicing, life expectancy and or safety. Only their operation. The roof - Roofs are not inspected. We do not walk the roof, check gutters, downspouts, venting or attics. Exterior - We don't identify the style of house or the type of siding, grading and or landscaping Structure - The structure is not inspected for cracks or failure. This includes porches, decks and patios.