We help make the inspection process smooth for both agents and homeowners.
Understanding our clients' needs is at the heart of what we do. Whether you're looking for insurance inspections or professional guidance, our team is here to provide reliable service, honest communication, and peace of mind.
Wind Mitigation Inspection
A Wind Mitigation Inspection helps determine how well your home may perform against strong winds and hurricane conditions. In Florida, windstorm coverage can represent a significant portion of a homeowner’s insurance premium, and homes with qualifying wind-resistant features may be eligible for valuable insurance discounts.
What’s Included in Your Wind Mitigation Inspection:
1. Building Code Compliance: We verify the year the structure was built to determine the applicable building code requirements.
2. Roof Covering: We inspect the roof covering type and review available documentation related to installation or replacement history.
3. Roof Deck Attachment: We evaluate how the roof deck is attached to the structure to help determine its resistance to uplift forces.
4. Roof-to-Wall Connection: We identify the type of connection securing the roof structure to the walls.
5. Roof Geometry: We determine the roof shape, which can play an important role in wind resistance.
6. Secondary Water Resistance: We inspect for evidence of additional water protection beneath the roof covering when documentation or visible evidence is available.
7. Opening Protection: We verify the level of protection installed on windows, doors, garage doors, and other exterior openings against wind-borne debris.
4-Point Inspection
Many insurance carriers in Florida require a 4-Point Inspection before issuing or renewing a homeowner’s insurance policy. This inspection must be completed by a licensed and qualified inspector and helps insurance companies better understand the condition of the home's major systems.
What’s Included in Your 4-Point Inspection:
1. Electrical System: We evaluate the electrical panels, wiring type, visible safety concerns, and any known updates or improvements to the system.
2. HVAC System: We inspect the heating and air conditioning system, including approximate age, visible condition, and overall operational status at the time of inspection.
3. Plumbing System: We identify the type of plumbing materials used, check for visible leaks or deficiencies, and review known updates when available.
4. Roof System: We inspect the roof covering, estimate its visible condition, review its age when documentation is available, and assess its ability to continue protecting the home.
Roof Certification
Many insurance carriers in Florida may request a Roof Certification or Roof Condition Report for older roofs before issuing or renewing a homeowner’s insurance policy. This inspection helps document the current condition of the roof, identify visible damage or signs of active leaks, and evaluate the roof’s expected remaining service life.
What’s Included in Your Roof Certification
1. Roof Age & Updates: We review the approximate age of the roof and any known repairs, replacements, or upgrades when documentation is available.
2. Roof Condition: We inspect for visible signs of wear, cracked or missing materials, deterioration, and evidence of active or past water intrusion.
3. Remaining Useful Life: Based on visible conditions at the time of inspection, we provide an estimated remaining service life of the roof.
4. Insurance Documentation: A clear digital report is provided to help support your insurance application, renewal, or underwriting requirements.