4-Point And Wind Mitigation Inspections

If you’re looking for a 4 point or wind mitigation inspection its most likely because you need it to obtain or retain your homeowner’s insurance policy. These inspections help insurance companies get an idea of the overall condition of the home they will be insuring. Keep in mind that these inspections are not meant to take the place of a Full Home Inspection. They are very limited in scope and only 2-5 pages long. A typically full home inspection report is 40-70 pages long going over the house top-to-bottom. If you don’t know which inspection best suites your needs please contact us anytime and we’ll be happy to guide you.

4-Point Inspection

A 4-point inspection looks at the 4 major systems in an older home.  The insurance company wants to know that the home has been well maintained, and the major systems are in good working condition.

Here is what a 4-point inspection looks at:

  • Roof

    Type of Roof Covering (shingles, tile, metal). The age and condition of the roof. Are there damaged shingles or leaks?

  • Electrical System

    The type of the wiring in the home (copper, aluminum, knob and tube). The brand of the electrical panel. The condition of the homes electrical system

  • Heating & Cooling

    Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?

  • Plumbing System

    Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutylene, etc. Is there evidence of current leaks?  The age of the hot water heater and its location.

Wind Mitigation

A wind mitigation inspection is an examination of certain wind-mitigating features of a home that help reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm. Homeowners can receive substantial discounts on their insurance premiums depending on the features that may be in place. These inspections must be performed by qualified inspectors.

During our Wind Mitigation Inspections, we are looking for the key features listed in the Uniform Mitigation Verification Inspection Form (sample form). We then generate a report based on our findings, which you can then submit to your insurance provider.

  • Roof Coverings

    We will determine when the roof was installed and if it meets building codes.

  • Roof Deck Attachment

    We will determine what type of roof decking is used and how the decking is attached to the structure, i.e., if it’s nailed or stapled down. If nails are used, the nail length and spacing between each nail will also be noted.

  • Roof To Wall Attachments

    We will determine how the roof trusses are attached to the walls. Are they toe-nailed, clips, single wraps, double wraps, etc.? The more secure your roof the better the savings!

  • Roof Geometry

    We will determine the shape of your roof. A hip roof resembles that of a pyramid and qualifies for a discount.

  • Secondary Water Resistance

    SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss.

  • Opening Protection

    We will determine if shutters or protection devices from wind-born debris at doors and windows are in place. We will also check the rating of the devices if they are present.

Roof Certification

Homestead Property Inspection---Roof-Inspectoin

Usually, an insurance carrier will request a roof certification on a home when their documentation shows that a roof is nearing the end of its life expectancy. As certified roof inspectors, will provide you with a roof certification inspection report, which you can pass on to your insurance agent. During the roof certification process, expect the following steps:

  • Permit Research

    You provide us with any permit paperwork on any recent roof work. If you don’t have it we will perform a permit search for you.

  • Take Photos

    Take photos of each slope of the roof. Documenting its condition

  • Identify Damage

    Identify damage or other issues such as granule loss, exposed asphalt, loose or cracked shingles or any signs of leaking

  • Life Expantancy

    Taking in consideration the condition of the overall roof, we give a projected remaining life of the roof

We will definitely use Nate again for any home inspection needs. He was responsive and quick to do our inspection, which was very helpful. He was professional, and reasonably priced.

Maggie – Client

Send us mail