In addition to full home inspections, I offer other inspections which are often required by Florida homeowners insurance companies to issue coverage and for clients to obtain the lowest rates. The differences between the types of inspections is explained below:
Full Home Inspection
An in-depth visual examination of various home components and systems performed according to the standards of practice set forth by the State of Florida. Typically for a new home purchase. Inspection time is typically 2-3 hours.
Four Point Inspection
"Four Point" inspections are often requested by Florida homeowners insurance companies when writing a new policy or updating an existing policy if the dwelling: is a certain number of years old, has sat vacant, or has had sinkhole activity. This limited inspection provides the insurance company with an overview of the condition of a home's roof, electrical system, plumbing, and heating/cooling systems. These inspections are not as in-depth as full home inspections and should not be considered as a substitute.
Wind Mitigation Inspection
A "Wind Mitigation" inspection is a valuable inspection service that may reduce your homeowners insurance premiums. Insurance discounts are mandated by the state of Florida for building features that reduce damage during high wind events. Most existing structures have one or more features that will provide insurance discounts. It's not uncommon for homeowners to obtain hundreds of dollars a year in premium savings. There is a good chance your home qualifies for reduced insurance rates!
Roof Condition Inspection
Roof condition inspections are often required by insurance companies before binding or renewing coverage. The company wants to know the roofing material present, it's age, condition, and the estimated remaining life expectancy. Roof condition inspections are often needed when obtaining a homeowners policy when there is either no roof permit on file, or it appears from the available information that the roof is older than a certain age.