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4-Point Inspection-  Price $100 by itself

In Florida, a 4-point inspection may be required prior to the purchase of a home that is more than 40 years old, depending on your home insurance provider. Our 4-Point inspections are completed by a licensed inspector and include evaluations of your roof, electrical wiring, heating and cooling systems and indoor plumbing. This inspection is important if you are planning on buying an older home because it can affect your insurance policy, based on the findings in our insurance reports which you may be asked for when you are getting insurance on your home. The intent of the report is to identify the age, condition and remaining life of these four systems in a home so that the insurance company can have a better idea of the insurability of the home.

 

 

Wind Mitigation Inspection-  Price $100 by itself

 In 2007 the Florida Legislature approved an amendment to §627.0629 (1) which stated “A rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been implemented. In simple terms, in less than an hour you could save up to 86% on the wind portion of your homeowners insurance. This can also be known as the hurricane or windstorm portion of your policy. Depending on where you are located and who your insurance provider is, the windstorm portion of your insurance can be nearly 70% of your total homeowner’s insurance policy. Let’s do some math. If you’re paying $2,000 a year for homeowners insurance and 70% of that is windstorm premium, that’s $1,400. If you meet specific criteria, up to 86% of that amount can be deducted. That’s a saving of over $1000 per year!

  A Wind Mitigation inspection can be performed as separate inspections or in conjunction with a home inspection.

4pt and Wind Mitigation at same time $150

Over the years, one way that Florida homeowners have tried to protect their windows from storms is through the use of safety and security films. However, as a result of a law passed in 2011, this film should not be considered hurricane resistant.

Film manufacturers vigorously argued the new law, maintaining that film can provide "shatter resistance" in severe weather. What's the real story on window film? Is it useful for hurricane protection?

Florida Building Codes Promote Impact Resistance

Updated Florida building codes implemented in 2010 included more areas in the High Velocity Hurricane Zone than any previous codes recognized. As a result of the new classification, builders and homeowners alike were put on notice that when rebuilding or remodeling their home, they must be more concerned about the impact resistance of the windows.

Window Film Effectiveness Overstated

As often happens in Florida, many scam artists came on the scene, promising a quick and easy way to comply with the law by adding film to windows. It was a common sight to see trucks with phrases such as "high impact window film," or "insurance approved" written on the side. Many consumers bought the product after being led to believe that it was a complete solution against the impact of hurricanes.

By presenting window film as a total solution, the implication was that adding film could make any window "impact resistant." What film does is make glass shatter resistant by enveloping broken glass, similar to what impact windows do. The difference is that an actual impact window has a stronger frame that contributes to the window's performance in the storm. Window film is helpful in improving safety during high wind, but many unscrupulous contractors and film dealers overstated the claims.

The 2011 law was a provision in a larger attack against product misrepresentation; it was added without allowing the window film industry a chance to respond. 

Clarifications By A Major Film Manufacturer

On its own website, 3M clarifies that its line of "Safety and Security window films are not hurricane proof, earthquake proof, bulletproof, bombproof, nor burglarproof. They are designed to make window glass more shatter resistant." They also make it clear that "this product is not approved in the State of Florida for uses a hurricane, windstorm, or impact protection from windborne debris from a hurricane or windstorm" and states that in compliance with Florida Statute 553.842, the product cannot be advertised as "impact resistant."

How can I prepare for a wind mitigation inspection?

Answer ID 2592   |    Published 04/03/2015 03:27 PM   |    Updated 04/03/2019 02:46 PM

There are several ways you can prepare for an inspection:

  • If your home has an attic, ensure that it is accessible and that the attic interior is clear before the inspector’s arrival. Attic access is required to determine how the roof is connected to the exterior walls, how the roof decking (often plywood) is connected to the roof trusses and, in some homes, whether secondary water resistance is present.

  • Move vehicles, appliances, boxes and other obstacles out of the way of the attic access point.

  • Notify your inspector when scheduling your appointment if the attic access is very high or in an unusual location (e.g., in a closet).

  • If you have storm shutters, make them available for the inspection. Although storm shutters do not have to be installed at the time of inspection, the hardware that holds the shutters in place must be permanently installed around the openings.

  • Give the inspector copies of any available documents that clearly identify mitigation features and that verify that the features meet the standards outlined on the Uniform Mitigation Verification Inspection Form (OIR-B1-1802, Rev. 01/12) or Building Type II and III Mitigation Inspection Form.

  • For information about the types of documents that are usually obtainable and acceptable for specific mitigation features, refer to Citizens’ Wind Mitigation Feature Documentation Guidelines