4
Point Insurance inspections
South Florida, Dade, Broward, Palm Beach Counties
My insurance
company requested a 4 Point Inspection.
What
is Four Point Inspection ?
After Hurricane Andrew, Insurance companies in Florida
have been trying to encourage home owners to make their homes
safer and reduce claims. Many insurance companies and JUA (Joint
Underwriting Association) now Citizens request 4 point inspections,
which often include, but not limited to:
Roof
inspection
Electrical Inspection
HVAC (Heat, Ventilation & Air Conditioning )
Plumbing
What
are they looking for in these reports?
As much as we really don't know what any insurance company
needs or wants, this is our interpretation through experience
only. They are generally looking for most systems in the 4 points
to have been updated to current standards and are in good condition.
Forms.
Are there special forms ?
Some
insurance companies like Citizens and others have forms that may
be used for at least one of the four points (Electrical). In this
particular form they have asked about the age, type and certain
elements of the electrical system, which may have high claim ratios.
Who
can perform this type of inspection ? Can I Fill out the paper
work myself?
Usually
a Licensed Roofing Contractor, Electrical Contractor, Inspector,
Engineer inspection and signature is required to certify homes
of a certain age when required by most insurance companies.
Can
I not comply with this type of request?
We
have heard reports of hardships maintaining coverage and or acquiring
new insurance.
Costs.
Coordinating all these Trades Professionals for a 4 point inspection
sounds Costly and lengthy.
Inspect
Net, Inc. Has developed relationships with trades people who are
in tune with these systems. We have also streamlined forms to
satisfy most interests of insurance companies quickly and cost
effectively.
I
am buying a home. Can I use this as a less expensive pre purchase
inspection?
No.
This type of inspection is not intended for use as a pre sale
or pre purchase comprehensive inspection. As it is geared for
your insurance needs, It will not contain the type of information
you may need to make an informed decision for purchase.
Guarantees.
Who can Guarantee the forms enable me to be approved for insurance?
NONE
! Please be clear that Inspect Net, Inc. is not employed by Insurance
companies, and cannot guarantee any aspect of inspection, including
but not limited to: INSURABILITY, UNDERWRITING, NEED FOR ADDITIONAL
CERTIFICATION OR INSPECTIONS SUBSEQUENT TO INITIAL INSPECTION,
WORK TO BE PERFORMED FOLLOWING INSPECTION, Etc..
_____________________________________________________________________
Who
Should I Call ?
Miami
/ Dade - Broward - Palm Beach Counties
Inspect
Net, Inc. ...........
_______________________________________
Inspection
Companies in other areas .........................................................
_______________________________________
Brevard,
Orange, Osceola, Seminole and Volusia Counties
Bell Inspection Services .......... Greg Bell
Tampa
Bay
Square One Inspection Services ........ Joseph T. Burkenson
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