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Homeowners Insurance Inspections

 

You can always pay less for you Homeowners Insurance. Most homeowners now days shop almost annually to lower their insurance premium. For that ,you would probably need a new Wind Mitigation Inspection, a new 4 point inspection, or both. A new roof, new impact windows, new front door or a new garage door can make a big difference on your quote. Also replacing your electrical panel or water heater can be a requirement from the new carrier to lower that insurance premium. We don't just go and verify the components of your home, we give you advice on what can be done.

 

4 Point Inspections

 

What is a 4 Point Inspection ?

A 4 point inspection is an evaluation of the four major systems of your house: electrical, plumbing, air conditioning and roof. The 4 point inspection usually takes 30 to 45 min, depending on the size of the home.

What does a 4 Point Inspection Cover?

Inspection of the Roof. Inspection companies want to know what types of roofs your house has and the age and condition of them. 

Inspection of the Air Conditioning. Also what type of air conditioning system is it , it's age and condition. 

Inspection of the Plumbing. What type of plumbing (supply & drain lines) your home has and how old and where is your water heater located.

Inspection of the Electrical. What type and brand of electrical panel and wiring is in it. 

For the 4 point inspection be sure to clear access to the electrical panel, water heater and air conditioning. The better the pictures we take, the more chances the insurance company would give your report a good review. 

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We always want the best outcome out of the 4 point inspections, we come in and advise you if you should upgrade any of these components in order to get a larger discount.

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Wind Mitigation Inspections

 

What is a Wind Mitigation Inspection ?

A wind mitigation inspection verifies what type of home's wind-resistant features your home has.

 

To determine the price of your homeowners insurance we will take pictures of your home and fill out the  New 2026 Uniform Wind Mitigation Form (OIR-B1-1802). Based on this document the insurance company will evaluate how strong your home was built or has been updated to stand a storm and it's winds. The inspector fills the form telling the year the home was built,  the type of roof coverings you have and their age,  the type of roof deck attachment, the type of roof to wall attachment, the roof geometry, if a secondary water resistance barrier was installed on the roof and how every opening of your house is protected against strong winds (windows, doors, garage door, skylights).

 

Do you have a new roof or new impact windows ? Is that enough to get a better discount on your homeowners insurance ?  

We will let you know. 

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It's important for you to have handy for the wind mitigation inspection any paperwork regarding the installation of your roof and the installation of your impact windows, doors and garage door. We are taking about permits, windows and doors NOA's, proof of secondary water barrier installation.

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​Roof Certifications

 

Your roof is not that old but the insurance company is giving you a hard time, let's inspect it and really give it the life it has due to the condition. 

How to Get Homeowners Insurance Credits.

1. If your getting new impact windows or accordion shutters for the windows, be sure all openings are protected, if not you will not receive the credit. They're no partial credits. Also you need to replace your entry doors, garage doors, skylights and protect glass block windows. 

2. Be sure your storm panels are impact rated. Usually they would have a label or have engraved on the panel the initials MDCA (Miami Dade County Approved) or a FBC approval (Florida Building Code).

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