Additional Services

Insurance Inspections

4 Point and Windstorm Mitigation Inspections

The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After last year's barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowners insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.

In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market. By law Citizens insurance must be the most expensive insurance policy on the market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.

While the four point insurance inspections were started by Citizens, they have quickly spread to most, if not all of the insurance companies that provide coverage in Florida. Several insurance agencies in the Alachua county area have been recommending the 4 point inspection for some time now.

While Citizens operates only in Florida, I know of several inspectors in other states who have transitioned their entire businesses into ones that deal only with insurance companies. There are some impressive statistics showing how this has saved the small regional companies substantial money.

The Four Point Insurance Inspection consists of a visual survey of the following four primary components:

Roof
Electrical
HVAC (Heat, Ventilation & Air Conditioning)
Plumbing

The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated. In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill the form out during the course of the home inspection.

FEE: $150.00

Wind Storm Mitigation Inspection:

I specialize in inspections for the insurance industry (wind mitigation inspection, 4-point inspection). Allow me to help you lower your windstorm premiums. By simply contacting me, I can determine whether or not you are eligible for discounts that can save you up to 40% off your windstorm insurance.

A Windstorm Mitigation Inspection is a valuable inspection service that may reduce the windstorm portion of your homeowners insurance. Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features and may qualify for some insurance discounts.

The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Hurricane resistant features:

Fee: $99.00

Dream Protection Home Inspection | 239-233-1269