GENERAL HOME INSPECTION
Our Home Inspection is up to a 400 point inspection (depending on amenaties) that
examines an industry estimate of 3,000 componets in the home. Learn more below!
Our Grounds inspection evaluates components of the property that affect the condition and hability of the home. Components inspected include the Grade & Drainage, Fencing & Gates, Driveways & Walks, Patios & Porches, Decks & Balconies, and Landscaping.
Our Exterior inspection examines the exterior of the home and evaluates its condition,
structural integrity and weather-tightness. Components inspected include Exterior Walls, Trim & Flashing, as well as Windows & Doors.
Our Roof/Attic Inspection examines the roof for its weather tightness and its ability to shed water. Components inspected include the Roof Covering Material, Flashing Sheathing, Structure, Roof Pentrations, Ventilation, and Insulation.
Our Pool/Spa inspection evaluates the condition of pool by examining the Surface & Coping, Pump Motor, Filters, Lights, Controls, Timers, Heaters, Automatic Chlorinators, and signs of leakage in the system.
Our Plumbing inspection evaluates the condition of the plumbing system by examining interior and exterior connections and operation of fixtures. Components inspected include the Main Plumbing Line, Supply Lines, Waste Lines, Plumbing Vents, and Water Heaters.
Our Electrical inspection evaluates the condition of the electrical system by examining interior and exterior connections and panels. Components inspected include Service Entry, Main Panel, Sub Panel, Circuit Breakers, Visible Wiring, and Fire Safety Features within the system.
Our Heating & Air Conditioning inspection evaluates the condition of the sytem(s) by examining the
interior and exterior components.
Items inspected include the A/C Compressor, Interior Air Handler/Furnace , Ducts, Vents, Flues, Filters, Temperature Differentials, and Thermostats.
Our Interior inspection evaluates the condition of the interior by further examining interior
components. Items inspected include Doors, Windows, Floors, Walls, Ceilings, Kitchen Appliances, Laundry Area & Appliances, Bathroom & Kitchen Plumbing Fixtures, as well as Light Fixtures & Outlet Recepticals.
Our Irrigation System inspection evaluates the condition of the sytem by examining the
various visible components.
Items inspected include the Water Source, Pumping Equipment (if applicable), Timer Controls, Valve Operation, Visible Plumbing, and Sprinkler Heads.
Our Crawl Space & Basement
inspection evaluates the condition of various sytems beneath the home. Items inspected include the Foundation Walls, Sub Floors, Posts & Piers, Plumbing, Electrical Connections,
Ventilation, Duct Work, and signs of excessive moisture.
Our 4-Point Inspection, often required by Home Owners Insurance companies when purchasing an older home, evaluates the condition of the four main systems in the home. Learn more below!
Our Wind Mitigation Inspection helps home owners save hundreds on Home Owners Insurance. Learn more below!
WIND MITIGATION INSPECTION
FOUR-POINT INSPECTIONS IN FLORIDA - WHAT IS A FOUR-POINT INSPECTION?
A “Four Point Inspection” focuses only on four main areas of interest in a home:
HVAC (Heating, Ventilation and Air Conditioning)
Electrical wiring and panels
Plumbing connections and fixtures
The inspection and report describes the condition and age of these elements.
WHY DO I NEED A FOUR-POINT INSPECTION?
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 30 years old or more).
Their common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.
Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.
IS THERE A STANDARD FORM TO FILL OUT?
There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Home Inspections By Nolan has developed a form that meets the requirements of most insurance companies in Florida. They are signed by a licensed professional.
You can copy this sample report and email it to your insurance company to see if it will satisfy their requirements. All inspection reports from Home Inspections By Nolan are PDF files that can be easily distributed over the internet.
CAN I FILL OUT THE FORM MYSELF?
Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General, Roofing Contractor or Home Inspector.
I HAD AN INSPECTION DONE BEFORE I PURCHASED THE HOME. CAN I USE THAT REPORT INSTEAD OF GETTING A FOUR-POINT REPORT?
The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document with attached images. Before you pay for a home inspection you should research with your insurance company if they will require a Four Point Inspection Report. You can end up paying twice for much of the same service and information gathering. The size and format of a General Home Inspection Report from Home Inspections by Nolan does not fit what your insurance company needs. However, we will transfer all of the collected data to our Four Point Inspection and attach the additional required photos for a discounted price to our clients who have paid us for a General Home Inspection. You should check with your insurance company in advance to see if our Four Point Inspection form will satisfy their requirements. We cannot guarantee they will accept our form and additional charges will apply if we have to use their form.
WHAT IS A WIND MITIGATION INSPECTION AND HOW CAN THIS SAVE ME ON MY HOME OWNERS INSURANCE?
If you live in a coastal state, you’ve probably heard of Wind Mitigation Insurance. If you’re a Florida resident, especially – which is particularly susceptible to tropical storms and hurricanes in the summer and fall seasons – almost assuredly you’re familiar. And if you’re not, you might want to reconsider the significant savings a wind mitigation inspection may offer, should nature’s fury unleash.
Many property owners receive wind mitigation inspections to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage or loss. Interestingly, even in Florida, wind mitigation inspections are not always required by insurance companies or mortgage lenders – it is optional in most cases, unlike some derivative of the four-point home inspection (which assesses the status of a property’s electrical, HVAC, and plumbing systems and the roofing) or a more intensive roof condition inspection. So why would someone want to order a Wind Mitigation Inspection? Because it could save you money!
That’s right – SAVE YOU MONEY. Wind Mitigation Insurance is the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium.
Explanation: Following an intensely active tropical storm season and resulting all-out battery on the US, a handful of insurance companies not-surprisingly went bankrupt over mounting claim and reparation costs. Officials in states like Florida and Louisiana, hard hit by strong storms like 2004’s Charley, Jean and Ivan and 2005’s Katrina and Rita, saw an exodus of insurance companies and homeowners left high and not-so dry. They knew they needed to do something to help property owners and insurance companies alike… FAST.
Their solution: Incentivizing wind mitigation inspections as a means of properly safeguarding properties in targeted areas, in the hopes that insurance companies increase their odds of insuring more secure, less damage-susceptible properties.
In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a board-certified contractor, architect or engineer) with the Multiple other coastal states including Lousiana, followed similar suit.
So you’re wondering – Do I just get an inspection and save on insurance? And how much could a person stand to save?
Well, that all depends on the features of your property. An inspector will evaluate the wind-mitigating characteristics of your home. Post-inspection, that inspector will make recommendations for any improvements or repairs the property owner could make on their home to enhance its sustainability against windstorm damage. He or she then submits a state-standard inspection report to your insurance agency. The report is viewed as a benchmark of your home's ability to withstand storm damage, and an appropriate discount is then applied – in Florida, an average discount of 30% is typical, saving a few hundred to over $1000 annually on your insurance premium.
Every state can vary on what safety features inspectors look for. As an example, Florida looks at 6 key categories, described below:
Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2008.
Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the better impact on your wallet!
Roof Geometry: is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped - a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.
In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per year could easily outweigh the cost. If you live in a coastal region, avoiding a wind mitigation inspection is at your own risk.