Save Money on Homeowners Insurance Premiums with Wind Mitigation Inspection

Wind Mitigation Inspection: A Smart Way to Save Money on Your Home Insurance

Homeowners in Seminole or Volusia Counties of Central Florida may be eligible for a significant discount on their home insurance premium. How? By getting a wind mitigation inspection from First Choice Home Inspections.

A wind mitigation inspection is an examination of your home's protective features that can reduce the damage caused by strong winds, such as hurricanes. These features include the type and age of your roof, the way your roof is attached to the walls, the type and spacing of the nails used to secure the roof sheathing, the type of underlayment that protects the roof sheathing, and the type and quality of the openings, such as windows, doors, skylights, and garage doors.



Insurance companies are required by law to offer discounts to homeowners who have these wind-resistant features in their homes. The wind credit discounts can range from 10% to 70% depending; on the level of protection your home already has. The only way to get these discounts is by having a certified wind mitigation inspector provide a report that verifies your home's features.

Wind Mitigation Inspector in Seminole and Volusia Counties

That's where First Choice Home Inspections comes in. We are a licensed and insured home inspection company that offers wind mitigation inspections in Seminole and Volusia Counties. Our inspectors are trained and experienced in identifying and documenting the wind mitigation features of your home. We use state-of-the-art equipment and software to produce a detailed and accurate report that you will submit to your insurance company.

Our wind mitigation inspection takes about 45 minutes to complete and costs $150.00. It can save you hundreds or even thousands of dollars on your home insurance premium every year. It can also give you peace of mind knowing that your home is better prepared for severe weather events.

Don't let the insurance companies charge you more than you need to pay. Contact First Choice Home Inspections today at (386) 624-3893 to schedule your wind mitigation inspection and start saving money on your home insurance.

 

Frank Carr, Florida Licensed Home
Inspector

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Twitter: https://twitter.com/1stChoiceHomeIn

Deltona 4 Point Insurance Inspection required for new insurance policies

Need new insurance?

What is a 4 Pt Inspection and why is it required?

A Four Point Insurance Inspection is often required when obtaining a new homeowners insurance policy or renewing an existing policy in Florida. The inspection includes a limited scope evaluation of the following four systems:

• Roof Inspection
• Electrical Inspection
• HVAC (Heat, Ventilation & A/C)
• Plumbing

 

The focus of the 4-point insurance inspection is to determine the approximate age, components, and general condition of these systems. A Deltona 4 Pt insurance inspection is NOT a comprehensive home inspection and can take less than an hour to complete. This type of insurance inspection should not be confused with a residential home inspection, which is more comprehensive in detail and scope.

 

4 Point Insurance Inspection History

The Four Point or 4 Pt Inspection is completed by a trained, licensed, and qualified inspector. The inspectors are required to be State of Florida Licensed Home Inspectors.

 

The 4 Point Insurance Inspection was developed after Hurricane Andrew struck Florida in 1992. The inspection is performed on behalf of the insurance companies; it is a requirement for the insurer to issue insurance to the new homeowner. Insurance companies may also require four-point inspections on homes that have reached 15, 20 years, or more. After the 2004 round of hurricanes in Orlando and Central Florida, the Four Point Insurance Inspection has renewed importance.

 

Insurance companies see the benefit of the inspection; the program is extending to other areas of the United States. The insurance company desired result is reduced loss on homeowner’s insurance policies. Most Insurance companies require a 4 Pt Inspection on homes 20 - 30 years and older. Some require a four-point inspection for homes as new as ten years old.

New 4 Pt home requirements for writing an insurance policy

Insurance companies have new strict changes that the homeowner needs to meet. Insurance underwriters require insurance agents verify the homes meet particular standards. 

 

Roofs

Shingle roof must be less than 20 years old.

Flat roof must be less than 10 years old.

Tile roof must be less than 25 years old.

Metal roof must be less than 30 years old.

All roof must be free of signs of damage.

A Wind Mitigation Inspection is required.

If the roof age is over the age limit; only non-standard companies are available, and the roof may be excluded from coverage.

Plumbing

The plumbing should have been updated in the last 20 years.  

No polybutelyne plumbing, poly is ineligible and must by replaced.

Water Heater

The water heater must be 14 years or newer.

Heating, Ventilation, Air Conditioning

The HVAC system must be in working order and updated within the last 20 years.

Electrical

Wiring

Aluminum wiring ineligible for most companies. Aluminum wiring with AlumiConns/Copper pigtails are accepted by one company.

All cloth wiring must be replaced.

Double tapped wiring must be repaired.

Electrical panels

Challenger, Sylvania, Zinsco, and Federal Pacific electrical panels are not acceptable panels for new or renewing insurance policies.

 

To schedule an Insurance Inspection; Wind Mitigation, 4 Pt Insurance, or Roof Condition Certification in Seminole or Volusia county contact our office at (386) 624-3893.

 

 

 

Frank Carr, Florida Licensed Home
Inspector

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Twitter: https://twitter.com/1stChoiceHomeIn

Wind Mitigation Inspection Saves Central Florida Homeowners Money on Insurance Premiums

Who is eligible for a wind mitigation inspection discount?

The State of Florida requires all insurance companies to offer wind mitigation discounts to Florida homeowners.  Wind insurance credits are obtainable on the building features that reduce damage during high winds on all single-family homes, townhomes, condominiums, and commercial buildings. Many existing structures have one or more of the wind-resistivity construction features already. Homeowners, as well as condominium associations, qualify for wind mitigation credits.

 

How do I save money?

The State of Florida requires insurance companies to offer reduced rates for certain wind mitigation features. A wind mitigation inspection must be performed by a certified wind mitigation inspector; Home Inspector, Building Code Inspector, an engineer, an architect, or any other individual that holds the necessary qualifications as described by Florida Statues.  A wind mitigation inspector will document features of your home on the required OIR-B1-1802 Wind Mitigation form and take photographs of them, which when applied to your insurance policy will decrease the cost of your homeowner’s insurance.

 

How much money can I save with a Wind Mitigation Inspection?

Wind mitigation features are mandated by state law and can total 45 percent of the original windstorm policy’s premium.  Insurance companies are required to offer discounts for features that qualify for wind storm credits.  A Wind Mitigation Inspection can save you as much as $1,260 on a homeowner’s insurance policy of $2,800.

 

How much does a wind mitigation inspection cost in Florida?

The cost of Wind Mitigation Inspections varies by region in Florida.  Orlando Wind Mitigation Inspection costs average $200.  Miami costs are around $225 while the cost of North and Central Florida remains between $150 and $200.  A wind mitigation certificate is good for five years.  Once you have your Wind Mitigation Certificate it will reduce your premium and save you hundreds if not thousands of dollars each year.

 

How do I schedule a wind mitigation inspection in Central Florida?

Call for Insurance Inspection Quotes at 386-624-3893.  For more information Wind Mitigation (1homeinspector.com)

Frank Carr, Florida Licensed Home
Inspector

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn

 

Deltona Home Inspection and The Florida Building Code

The Florida Building Code

The Florida Building Code became effective on March 1, 2002 and was created by the law ratified by Florida Legislature in 1998. The Florida Building Commission was motivated to create the first state-wide building code after Hurricane Andrew devastated South Florida on August 24, 1992.

Just because we have a statewide building code now, people assume we have always had a building code in Florida. New home buyers always ask me, if the house they are buying is built to code. As a home inspector we do not quote code but the code in Florida is new. If you are buying a home built before 2002 the question, "Is the home built to code?" is not relevant.

South Florida Building Code

South Florida Building Code has been around much longer. The reason for creating the South Florida Building Code was tropical and hurricane storm damage. Between 1900 and 1950, 108 Hurricanes affected the State of Florida resulting in 3,500 deaths and property damage that would be equal to 4.5 billion dollars in today's currency.

In South Florida, a panel was formed and they worked with the American Society of Civil Engineers (ASCE) and other research groups to devise wind-loading design. They created a formula for calculating anticipated wind loads from hurricane force winds, taking into account both the wind speed and the height above ground. Miami-Dade County commissioners voted October 29, 1957 and the South Florida Building Code became effective in Miami-Dade County, December 31, 1957. Broward County later adopted a modified version of the South Florida Building Code, Dade County Edition.

Florida Building Code Background

When Hurricane Andrew hit South Florida, it exhibited a serious statewide deficiency in home construction standards. Our antiquated system of locally administered building codes and enforcement was inadequate. A statewide building code and enforcement agency was needed. Compliance or enforcement in a single county could affect homeowner insurance companies statewide.

Andrew broke all previous records for insurance losses at the time, and was the direct source of Florida's worst insurance catastrophe. Florida was seriously under-insured and overexposed; insurers suddenly comprehended that all of the worst case calculations were completely underestimated.

Many insurers just left Florida and the ones that stayed raised rates to staggering new levels in order to avoid the very real risk of sudden bankruptcy following another huge storm. Homeowners all over Florida were affected as they saw their rates rise drastically and found a lack of available new insurance threatening to pull the plug on development in every part of the state.

We were using the 5th Edition of the Florida Building Code from 2014. The Effective Date for the Florida Building Code 6th Edition (2017) is December 31, 2017.

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona and Deland, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn