John Miller is a licensed home inspector serving DeBary, FL and nearby communities. He provides a variety of home inspection services including a 4-point inspection and wind mitigation inspection.
A 4-point inspection is often requested by insurance companies when providing homeowners insurance coverage on older homes, usually 30 or more years of age. The inspection is limited to the four main components of a home: roof; electrical; plumbing; and heating and cooling. Your home inspector in DeBary, Fl will visually inspect each of these components, note their condition and report its findings to the insurance carrier. It is important to note that a 4-point home inspection is not the same as a full residential home inspection. It is much less comprehensive and less expensive as well.
Whether you’re a homeowner or a prospective buyer, your insurance carrier or mortgage lender is not likely going to request a wind mitigation inspection. But ordering one could reduce the cost of your homeowner’s insurance policy. The State of Florida enacted legislation in 2006 mandating insurance carriers offer discounts on homes with wind mitigation features. A wind mitigation inspection assesses the homes ability to withstand hurricanes, high wind and other storms based on it wind mitigation characteristics.
The home inspector in DeBary, FL will look at the roof, foundation, windows and doors, water barriers and other features that will lessen the impact of a storm. The more wind mitigation features a home has, the higher the insurance discount will be. For example, a home with hurricane windows or shutters will be deemed safer than a home without it and will receive a larger insurance credit. The savings can add up to over $1,000 annually, depending on the amount of credits the home receives during the wind mitigation inspection.
If you need a highly qualified state licensed home inspector in DeBary, FL, contact us at 386-216-1809 to schedule an appointment today!