Florida Four Point Inspection

Florida has a recent year’s history of bad weather and for the past years experienced hurricane. In 1992 when Hurricane Andrew hit Florida, the Florida Four Point Inspection was born. It was introduced by the insurance company to the homeowners, as a demand for the insurer bidding insurance to the new homeowner. Insurance companies in Florida have been trying to encourage homeowners to make their homes safer and reduce insurance claims. The Four Point Inspection in Florida has been accepted as necessary after the number of hurricanes passed by. Insurance companies see the good result of the program; it spreads throughout the different parts of the country. To reduced loss risk on homeowners’ insurance policies is the benefit to the insurance company. Through this program many insurance company losses a lot of money.

Four Point Inspection

Through the number of hurricanes struck Florida, insurance companies and JUA (Joint Underwriting Association) realized the importance on Four Point Inspection. The Four Point Inspection is a key to evaluate your home condition on the four points. This will evaluate the capacity and strength of Roof, Electrical Conditions, the life years of expectancy of your HVAC (Heating Ventilating and Air Conditioning) unit, and the your plumbing system connections condition. The main points of this are to evaluate and report the condition and age of these elements. The insurance companies are expecting that these four elements are working properly as meant within the manufacturers’ specifications in order to avail the program. 

Four Points

On the other hand, for older homes usually operating for more than two decades the insurance company may unwilling to issue Homeowner Insurance Policies. In other cases, elderly homes and roofs nearing to end life should be renovated. This may become the reliability of the company. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. If the HVAC or the electrical system is in improper installation this can cause fire and accident and will lead to loss of lives. In plumbing systems, this must be in proper installation or else this will affect the water system and can cause accidents. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.

After examining the four points of the house, the licensed Professional Engineer, Electrician, Roofing Contractor and certified Home Inspector will filled out the forms issued by the insurance company. In this particular form they have asked about the age, type and certain elements of the electrical system, which may have high claim ratios. This certifies that your electrical system, HVAC, Roofing, and plumbing systems are in proper installations and working as meant by the manufacturer’s specifications.  

However, for newer homes the insurance companies are not assumed to have such problems. Still, the homeowners can have a four point inspection to ensure the safety and to avail the insurance service. For newer homes the insurance still examine the four points (Electrical, Roof, Plumbing, and HVAC) and depend on the rules of the company. There are many companies and inspection requirements can vary and change at any time.

Safety Home

 

To ensure the safety of properties and love ones, Four Point Inspection is the best way. Four point Inspection is your choice of home inspection in Florida.

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