We do home Inspections for Home Owners Insurance and for homeowners looking to buy or sell a home.
The 4 Point Inspection is a visual inspection of the four major components of a home.
The insurance company is looking for any preexisting defects that could become a liability if a policy were written. The inspector will collect visual data for the insurance company at the time of the inspection.
Insurance underwriters and Insurance Company’s use the 4 Point Inspection reports to determine risk.
The four main things that are being examined during a 4-point inspection:
Electrical system,
Plumbing,
Roof and Structural
Integrity, and
HVAC System (heating, ventilation, and air conditioning).
A home inspector has to list the age, overall condition, material, and basic type for each of these categories. For example, is the roof made of Shingles or Tile? Is the electrical wiring copper or aluminum? How old is the HVAC system?
Our Inspectors fill out the form the Insurance Company requires and takes photos to prove all their findings.
Whether you’re buying or selling a house, updating your homeowner’s insurance, or preparing for the hurricane season, a Roof Certification inspection gives you peace of mind knowing that your roof is in good condition and meets or exceeds local or state building codes. An inspection can also help prevent your homeowner’s insurance policy from being canceled or your rates from increasing.
A roof certification is an official report provided by a licensed Inspector that certifies the condition and remaining useful life of your roof. This document is crucial when buying, selling, refinancing a home, or securing homeowner’s insurance.
We are seeing more and more insurance companies requesting roof certifications before they will even consider insuring a home. Insurance Company’s want to see at least 5 years remaining useful life on a Roof that is over 15 years old.
Whether you are an investor specializing in commercial property, a banker, property manager, leasing agent, or lender, you can rely on Cris Home Inspections to provide you with commercial building inspections that provide the information you need for optimal decision-making.
The inspection evaluates the major systems of the property and the visible structural components; it also catalogs the type and condition of HVAC equipment.
The commercial inspection results are reported in a concise, computer-generated, comprehensive report of the building’s overall condition adhering to current ASTM standards.
Have you had your Windstorm Mitigation Inspection on your home yet?
During severe windstorms, such as hurricanes, homes are battered by rain and heavy winds. Wind mitigation specifically targets the structural and nonstructural aspects that prevent or lessen damage caused by high winds during storms. Windstorm Mitigation Inspections are common in South Florida. A certified inspector will come out and report on the key features that may decrease the amount of damage your home suffers during a hurricane or strong windstorm. If you live in areas prone to these natural disasters, then it is crucial to know the ins and outs of Windstorm Mitigation Inspection.
A Windstorm Mitigation Inspection can help look for construction features that will reduce losses in hurricanes, such as concrete block construction, shutter and opening protection, roof-to-wall attachments, gable end bracing, hip roofs, and hurricane clips. We will delve into the advantages of a Windstorm Mitigation Inspection – how it can help you save money.
A Windstorm Mitigation Inspection is necessary for old homes and new ones alike. Your home’s structure undergoes an inspection to ensure it is in sound condition. This inspection will determine the physical features of the home (roof, siding, windows, and doors) and systems such as plumbing, heating, cooling, and electrical systems. If you seek the services of professional Windstorm Mitigation Inspectors, then maintenance issues or minor discrepancies are repairable. Remember, there is no home that is flawless.
Windstorm Mitigation Inspection is the only inspection that almost always results in some level of insurance discount on your insurance policy premium. A Windstorm Mitigation Inspection is for homeowners trying to reduce their Home Insurance rates by 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 peace of mind.
In Palm Beach County, if your home was built on or after January 1st, 2012, you are eligible for a 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 some things 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.
Roof Deck Attachment – What type of roof decking is used and how it is attached to the underlying structure.
Roof to Wall Attachment – How the rafters/trusses are attached to the wall top plate.
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.
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