What is involved in a wind mitigation inspection?

What is involved in a wind mitigation inspection?

A wind mitigation inspection should take about 30 minutes to a hour. The inspector will come to your home and evaluate your shingles, roof decking, roof to wall connection, roof permitting, shutters, roof shape and if you have a secondary water barrier.

Does a 4 point inspection include wind mitigation?

Wind Mitigation and 4 Point Inspections are both for Florida insurance companies. The wind mitigation inspection gives homeowners insurance discounts based on certain building attributes while the 4 point inspection tells insurance companies how well the home has been maintained.

What is a 4 point wind inspection?

A Four-Point Inspection is an inspection focusing on four primary areas of the property, the Roof, Electrical, Plumbing and Heat and AC. This type of inspection is primarily done for insurance companies on older properties in order to verify that the four systems noted above are in acceptable condition.

What is wind mitigation discount?

The State of Florida requires insurance companies to offer discounts for protecting your home against damage caused by windstorms. These discounts are known as Wind Mitigation Credits and are offered after a certified inspection is done to your home. Your insurance premiums can only go down, not up.

How much does it cost for wind mitigation?

The wind mitigation in cost varies between $75 to $150 which includes updates to the report if needed within a certain period. Ask your inspector what their period is.

How do I prepare for a wind mitigation inspection?

How can I prepare for a wind mitigation inspection?

1. If your home has an attic, ensure that it is accessible and that the attic interior is clear before the inspector’s arrival.
2. Move vehicles, appliances, boxes and other obstacles out of the way of the attic access point.

What is the cost of a 4 point inspection?

4-Point Home Inspection Costs Due to varying prices from state to state and by each insurance company, it’s safe to estimate that you will pay anywhere from $50 – $150 to have a 4-point inspection completed on your home.

What is a five point inspection?

5 Point Inspections A five point inspection is an evaluation of the Plumbing, HVAC, Electrical Panels, Roof and Structural systems. This type of inspection works well for those folks who are only interested in the major systems within a structure and who are not as concerned with cosmetic or superficial issues.

What do inspectors look for in a four point inspection?

A 4-point inspection is an examination of the current condition of a house or condominium, reviewing four major systems: roofing, electrical, plumbing and HVAC. This specific inspection is requested by homeowners insurance companies before someone can renew or be eligible for their desired coverage plan.

How do you fail a 4 point inspection?

How can your home fail a 4 point inspections?

1. a roof that has damage.
2. a roof that is missing tiles or shingles.
3. a shingle roof that is over 19 years old.
4. a tile or metal roof that is over 40 years old.
5. aluminum, cloth or knob, and tube wiring due to fire hazards associated with the material.

What does wind mitigation cover?

Earn discounts on your home insurance. While any homeowner can benefit from a wind mitigation inspection, those in hurricane- or tornado-prone areas may see the greatest impact on their premium. It covers wind damage after hurricanes and windstorms, but the deductible is a percentage of your home’s value.

How long is a wind mitigation good for?

five
Wind mitigation inspections determine a home’s stability in the event of strong winds. They are valid for five (5) years from the original date of inspection. Essentially, the review entails whether specific building codes have been installed limiting the damage caused by severe winds.

Do I need to have my property inspected by a citizen?

Citizens may require certain inspections, depending on the type and amount of coverage you are seeking, eligible discounts, and the age and location of your property. Your appointed Citizens agent can help you determine which inspections are needed, if any.

What is a wind mitigation inspection in Florida?

Many homes in Florida are built with wind-damage mitigation features that help protect them from the heavy wind and rain experienced in a hurricane or tropical storm. Homes and businesses with such features may qualify for policy premium discounts by documenting any approved features through a wind mitigation inspection.

How good is citizens property insurance for customer service?

Citizens Property Insurance rates poorly for customer service based on customer feedback and its customer-complaint ratio. Citizens’ customer reviews are generally negative, with a predominance of feedback describing an unfair claims process in which many customers believe their claims to have been unjustly denied.

How does citizens property insurance cover hurricane damage?

As is standard with hurricane coverage, Citizens Property has a separate deductible for damage related to the storms, meaning that, depending on your deductibles, you could potentially be paying more money out of pocket if you make a claim related to hurricane damage. Citizens discount options are limited compared to most insurers.