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Wally Conway, certified master home inspector, energy auditor, and host of The Home and Garden Show
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REDUCING YOUR HOMEOWNERS INSURANCE COSTS

These services are specifically geared for your insurance needs, and are never a replacement for a comprehensive home inspection (especially when trying to make an informed decision for purchasing a home). NOTE: HomePro is not an insurance company and cannot guarantee that the your inspection will approve your home for insurance coverage, or reduce your premium.

4 Point Insurance Inspections

Also called 4-Point Letters or Insurance Evaluations. Many insurance companies require insurance inspections before they will provide residential insurance. This type of service includes a limited scope evaluation of the Roof, Plumbing, Electrical, and Heating & Air Conditioning systems. The intent of the evaluation is to determine the age and general condition of these systems, and is not intended to be a replacement for a comprehensive home inspection.

Please be aware that the rules are constantly changing! For instance, effective 9/1/12, Citizens Property Insurance Corporation (Florida) requires all homes over 30 years old to have a 4 Point Inspection, and that inspection must have been completed within 12 months of the submission date. Insurance inspection forms for Citizens Property Insurance Corporation (Florida) can be found here.

Get one insurance letter FREE when you order a HomePro 4 Star or 5 Star Inspection™ Package!

Roof Insurance Inspections

Many insurance companies require a roof inspection before they will provide residential insurance. This type of service includes a limited scope evaluation of the Roof system. The intent of the evaluation is to determine the age and general condition of the roof, and is not intended to be a replacement for a comprehensive home inspection.

Please be aware that the rules are constantly changing! For instance, Citizens Property Insurance Corporation (Florida) requires all roof coverings over 50 years old are not eligible for coverage with Citizens if they are tile, slate, clay, concrete or metal - all other roof coverings over 25 years old are not eligible for coverage (unless documentation can be submitted showing the roof covering has at least 3 years of life remaining). Insurance inspection forms for Citizens Property Insurance Corporation (Florida) can be found here.

Wind Mitigation Assessments

Insurance discounts may be available for certain building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more wind resistive construction features already, and may qualify for some insurance discounts without making changes to the home. Testimonials:

...Hey, thanks for the quick service on my appointment. Your assessment is saving me over $6000.00 over the life of my loan in home owners insurance costs! Now that's savings! -- Cristal Devenburg, Jacksonville FL Homeowner

Dear HomePro, Thank you for saving me $300 on my insurance with your wind mitigation inspection! -- Elaine Mancusi, Orange Park, FL Homeowner

A Wind Mitigation Inspection or Assessment is an inspection that documents these wind-related construction features, utilizing a special state form, which may result in huge savings by reducing the windstorm portion of the homeowner's insurance premium. Get one wind mitigation letter FREE when you order a HomePro 4 Star or 5 Star Inspection™ Package!

Wind forms for Citizens Property Insurance Corporation (Florida) can be found here. A list of features that Citizens accepts for credits can be found here.

WIND MITIGATION INSPECTION FAQ's:

What is the value of wind discounts for my homeowner's insurance?
The dollar value of the discounts depends on three primary factors: 1) the number of wind resistive construction features present on your home, 2) the location of your home, and 3) the value of your home. Some individual features may qualify for significant discounts and others only a few percent. Wind rates vary by location within the state. Contact your insurance agent/company to determine the potential value of the discounts for your home, as each company offers a different discount schedule.

What construction features qualify for wind discounts?
(Please note that individual insurance companies may have more features that qualify for credits than those below):

  • Specific roof coverings
  • Roof decks that have been installed with larger nails and closer spacing
  • Secondary Water Resistance
  • Specific hurricane clips/straps that hold the roof structure to the walls
  • Certain roof shapes and internal bracing
  • Protection of openings (impact resistant glazing or other protection systems
  • Other information can be found here

How much does a wind inspection cost?
Pricing for wind mitigation inspections vary depending on the size of the home. OR, get your wind mitigation assessment for FREE when you order a HomePro 4 Star or 5 Star Inspection™ Package! Call our office for a quote at 904-268-8211, or email us here.

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