Four-Point Inspections Miami
If you are a homeowner in Miami looking to obtain a new homeowner’s insurance policy, you may be required to perform a four-point inspection. Insurance companies often request the report before handing out a new policy. This is to receive a better perspective on the home that you’re trying to insure. It’s vital that you check with your provider in Miami to understand exactly what is needed for your four-point inspection.
What is a four-point inspection?
A four-point inspection is a detailed record that looks at the condition and stability of the following four elements:
- Electrical points
- HVAC – heating, ventilation, and air conditioning
- Plumbing in and around the house
- Roofing
Why would I need a four-point inspection?
If you own a home built over 25 years ago, most insurers will ask for the four-point inspection. Older homes are known for being problematic, as their plumbing and systems do not meet today’s safety standards. Thus, plumbing and other elements may need upgrading. Another issue could be that the roof is reaching the end of its life. Therefore, insurers will be skeptical as you might encounter water damage. The report provides confidence that your home will not be a liability. However, insurance companies overlook possible problems in newer homes as they regard them as safe.
Electrical Points
As the inspector walks around your home, they must cover all the electrical points. The initial assessment should confirm that no wires are exposed and safe for use. As they sign off their list, they determine that the amperage running through the home is adequate. In addition, the inspector evaluates whether the electrical panel can handle adding more appliances. Other electrical checks entail testing the fuses and searching for any signs of electrical burns. The detailed examination is to make certain that no major damage can be caused to your property.
HVAC – Heating, Ventilation, and Air Conditioning
The report verifies the wear and tear that you would expect in your home. The inspector investigates whether there is any water damage, blockages, holes in the pipes, or other HVAC issues. They will also want to know when your heating, ventilation, and air conditioning was last serviced. Therefore, you may be asked to provide old reports and receipts. This is to prove that the work was completed by a professional with a reputable background.
Household Plumbing
Today there is more information and knowledge about rusty and faulty pipes. Hence, it comes at no surprise they too are included in the report. Rusty pipes can eventually leave rust running through the drinking water and must be replaced. Any damaged pipe can cause leaks, costing thousands of dollars to repair if not noticed early on. Consequently, inspectors have to work hard on examining the toilets, sinks, baths, showers, and more for any hidden issues.
The Roofing
Due to Florida’s weather and the faster deterioration, the roof must pass inspection. Miami recently updated its four-point inspection, meaning that the report is far more detailed. This entails surveying the roof for cracks, curling, tears caused by hail, and any granule loss on the tiles. If a crack is identified, the inspector must go through the house to check the crack hasn’t caused any leaks. Older homes may require you to replace the entire roof as the materials are no longer protecting your home.
The four-point inspection should not put you off buying a property as it’s there to protect you, the buyer. The inspection can save you money, as you are aware of the issues the property may have. To learn more and carry out an inspection in Florida, Core Property Inspections is your go-to company. Call today.