Why Do I Need a Home Inspection?

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Why Do I Need a Home Inspection?

home inspectionOnce you are ready to buy your dream home then you might want to get a home inspection to insure your house for safety and any major repairs. But before getting the proper insurance on your home it may need to experience other inspections such as a 4 Point, Windstorm Mitigation Inspection or a Citizens Roof Certificate Inspection.

The insurance agency will do an investigation of the home from the inspections information to decide whether or not a house is “insurable”. Banks won’t provide loan on a home without insurance.

Type of Home Inspections…

Home inspections:

This is an unquestionable requirement for new and old homes. An inspection will focus on the state of the pipes, warming, cooling and electrical frameworks. The structure is also inspected to guarantee it is sound and to focus the state of the top, siding, windows and entryways and also the safety peculiarities of the home. Most purchasers want to pay for these inspections so that the examiner is working for them, not the dealer. Don’t let minor conceded support issues or non-real errors destroy the arrangement for your dream home.

Remember that no house is flawless and anything & everything might be altered. The inquiry is at what cost? You and your Real Estate Agent need to talk about the discrepancies found and choose if you need further arrangements. Your Real Estate Agent is committed to pay special attention for your best interest.

Wind mitigation Inspections:

As a property holder with windstorm protection, state law qualifies you for certain premium reductions, however without an inspection, you can’t get them! In the event that you haven’t had a windstorm protection inspection at your current home, you may be paying higher for your windstorm insurance.

During a windstorm mitigation, a certified inspector will cover the key peculiarities that may diminish the measure of harm your home endures amid a tropical storm hurricane or a windstorm. These features fall into a few classes, for example, outer construction, roof shape and construction, entryway and window opening assurance and in addition the correct year the house was made. An alternate component may be the height of a property and how it identifies with wind speed.

4 point home inspections:

A 4 point inspection is a skilled examination by the inspector of the roof, the electrical framework, plumbing framework and the heating, ventilation and AC (HVAC) system. The distinctive systems on your house have a fluctuating yet to some degree unsurprising life span. The greater part of the data accumulated for 4 point inspection relates to simply that. Notwithstanding, the data is not constrained to the future of the systems. Additionally, considered are issues, for example, sort of wiring utilized as a part of the home and even the makers of the equipment.

Citizens roof certification Inspection:

This kind of Certification Inspection is typically done at the request of the protection carrier. They will commonly ask for it because of the data they have on document is demonstrating that the top roof is approaching the end of its normal life. The review is utilized to archive the latest dated of complete substitution. Along these lines, it is absolutely important for the property holder to have a duplicate of the permit and/or contract of the latest work finished.

The inspection can take up to 1 hour to finish and it contains the report with permit documents and visual images of your roof. In case no records of a late re-roof are available, the inspector will evaluate the valuable life remaining.

Check with your insurance company and approach in the event that it would be worthwhile for you to get a Citizens Roof Certificate Inspection it may spare you on your insurance premiums.


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Why get a Windstorm Mitigation Inspection on your home?

Windstorm Mitigation Inspection is the only inspection that is almost always going to result in some level of insurance discount on your insurance policy premium. A Windstorm Mitigation Inspection is for homeowners that are trying to reduce their Home Insurance rates up to 50% off the original policy premium

If your home has undergone a Windstorm Mitigation Inspection you are potentially eligible for insurance discounts or credits from insurance companies.Insurance companies increase their odds of insuring more secure, less damage-susceptible properties in targeted areas.

If you have not had a Windstorm Mitigation Inspection on your home, chances are you are paying too much for your windstorm insurance! Having your Windstorm Mitigation Inspection today on your home could translate to savings and give you a peace of mind.

In Palm Beach County if your home was built on or after January 1st, 2012 you are eligible for minimum FBC 2001 credit.
In Broward/Miami-Dade if your home was built after 1996, you are eligible for an opening protection class C credit. If your home was built after 2002 or later you are eligible for opening protection class A credit.

Here are something’s that the Inspector will look at during a Windstorm Mitigation Inspection of your home.

Age of the home
Roof Covering – When was the roof installed and does it meet South Florida building codes.
Windstorm Mitigation Inspection Roof Covering

 

 

 

 

Roof Deck Attachment – What type of roof decking is used and how it is attached to the underlying structure.
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Roof to Wall Attachment – How the rafters/trusses are attached to the wall top plate.
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Roof Geometry – What type of roof your home has (example: Hip, Flat or other.)

Opening Protection for Doors & Windows – Shutters or impact resistant coverings or products.

 Call us today to schedule your next Inspection… Phone #561-393-9977


Recommended Links

Eaton Insurance
Phone (561) 966-1848
www.eatoninsurance.net

Furman Insurance
Phone (954) 943-5050
www.furmaninsurance.com

Real Estate Agent
Mark Baker
Phone 561-336-6333
www.buyingpalmbeachhomes.com