Wind Mitigation & Four Point Inspections
Wind Mitigation Inspection
A Wind Mitigation Inspection is an inspection that may qualify a property for discounts on windstorm insurance. These discounts reward those who have wind-resistance features on their property that decrease the amount of damage that may occur during a windstorm. Less damage equals less costs to insurance companies. These savings are passed on to the homeowner in the form of wind mitigation discounts.
Why do I need it?
The primary factors in wind mitigation discounts are the wind resistant features of the property. These features include concrete block construction, gable end bracing, a hip roof, the presence of single or double roof straps, the type of roof covering, impact resistant glass, reinforced garage doors, window shutters, the presence of a secondary water resistance barrier, property opening protection, and property topography. Using the wind mitigation certification, the insurance company will be able to calculate the amount of discount and refund. On average, homeowners can save as little as 20% and as much as 80% on their insurance policy premium.
Four Point Inspection
A Four Point Inspection focuses on four main areas of the home:
Electrical wiring and panels
Plumbing connection and fixtures
The inspection report describes the condition and age of these elements.
Why do I need it?
Insurance company concerns are that there may be conditions in an older home that could become a liability to them. In older homes, they want to know the age, condition, and life expectancy of the roof, HVAC(heating and cooling system), electrical and plumbing systems. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they are more likely to cause fire or water damage to a home and expose the insurance company to coverage issues. The inspection information and pictures are uploaded into the standard Citizens Property Insurance Corporation Form. (Generally, for homes that are 20 years old or more)