A certified inspector will evaluate the property for defects & deficiencies and provide a detailed and inspection report including digital photos of the defects.
All inspections provide a conclusive overview of the existing structure so you can feel assured, whether or not to go ahead with the purchase.
An insurance inspection is typically required when obtaining a new homeowners insurance policy or renewing an existing policy.
The 4-point insurance inspection includes a limited scope evaluation of the following four systems:
The inspection determines the general condition and age of these systems. Insurance Companies typically require that the inspection is performed by a licensed and qualified inspector.
A wind mitigation inspection may help homeowners qualify for an insurance premium discount, which 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, which translates into less risk for the insurance company.
What does a Wind Mitigation Inspection cover?
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, 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. An insurance company can calculate the amount of discount using the certified wind mitigation report.