A home inspection is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. Home inspections are usually conducted by a home inspector who has the training and certifications to perform such inspections. The inspector prepares and delivers to the client a written report of findings. The client then uses the knowledge gained to make informed decisions about their pending real estate purchase. The home inspector describes the condition of the home at the time of inspection but does not guarantee future condition, efficiency, or life expectancy of systems or components.
A wind mitigation report informs the insurance company of a home's construction in order to determine its stability in the event of strong winds. A homeowner with windstorm insurance can often submit the results of this report to their insurer and obtain discounts on their windstorm insurance.
For instance, in Florida discounts may be applied for certain favorable wind mitigation features as mandated by State law and can total 45% of the original policy's premium.
The purpose of a windstorm or wind mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane
In Florida, a wind mitigation inspection is performed by a licensed general contractor, building contractor, architect, engineer, building inspector or home inspector. The information gathered is presented on a standard wind mitigation form, OIR-B1-1802, commonly referred to as the 1802 form. As of Feb 1, 2012, all inspections must have photos showing each feature listed on the wind mitigation form.
The wind mitigation inspection is NOT an inspection of the overall structure of the home and does NOT determine the condition of your home. If you are interested in knowing the condition of the home we suggest also having a full home inspection done in addition to your wind mitigation.
What Is A 4-Point Inspection?
A 4-point inspection is a type of home inspection that is required in Florida, either to obtain or maintain insurance coverage. Most insurance companies will only request a 4-point inspection after the home reaches a certain age. Some others will require any newly-purchased home to have a 4-point inspection performed. This varies, based on your insurance company and their underwriting rules.
Home Watch Services
Home Watch Service
The following activities will be performed on a defined frequency (weekly recommended):
Review the exterior of the home, including pool, for any signs of trouble (water leaks, damage, intrusion)
Review the interior of the home for any signs of trouble (water leaks, damage, AC function, intrusion, infestation)
Turn on water, run all sinks and toilets to ensure drain traps stay full, turn water back off.
Send update to owner after each home watch visit.