WHAT IS AN ORLANDO FOUR POINT INSPECTION, WHEN IS IT NEEDED?

An Orlando four point inspection is required when a home owner needs to renew their Orlando home owners insurance policy, or, when a buyer purchases an older home and needs homeowner insurance. Underwriters are now much stricter, than in recent years, on what risk they’re willing to take. So almost all require a qualified, Orlando four point inspector, do the inspection before issuing a policy for homeowners insurance.

It is an inspection that is much less involved than a regular home inspection and it includes the following items;

• Roof system
• HVAC System (Heating Ventilation, Air Conditioning)
• Electrical
• Plumbing

What are some examples of issues that could cause a policy to be denied?

• A roof in poor condition and older than the underwriters age acceptance. Depending on the roofing material, the end of the “Useful Life” is always considers. Each material, by design, has a projected “Useful Life”. They also want see at least five years of remaining “Useful Life”.
• HVAC System that has reached the end of its useful life and/or show signs of water damage anywhere in the system and that has ductwork in poor condition, leaking damage, etc. Often, a system is upgraded and only the interior air handler and exterior condensing unit area replaced, leaving the original ductwork in place. In some instances, when the duct are in serviceable condition, that’s appropriate, but often it’s not.
• Electrical panels that are obsolete or otherwise deemed unsafe. There are numerous known brands that have been identified as possible fire and electrocution hazards. Another known concern is solid branch Aluminum wiring.
• Plumbing supply/drain and venting lines that are in poor condition, made of certain materials, such as polybutylene piping, cast iron, galvanized piping, etc. generally won’t be accepted and require replacement.
• Nonprofessional, unlicensed work as well as unpermitted improvements are always a concern.

HOW LONG DOES AN ORLANDO FOUR POINT INSPECTION TAKE AND WHAT IS THE COST?

• A one-story home takes about an hour to an hour and half. A one-story home cost $99.00 for the four point inspection. Note however, an additional trip charge may be required depending on the property’s location.
• Anything above one story requires that we look at the home to determine what is required to access the upper levels. We then price accordingly.

Does an Orlando four point inspection include an Orlando wind mitigation inspection?

It does not. A wind mitigation is a different inspection that is not always “REQUIRED” by the insurance company, but often may save you money on your insurance premiums. A one-story home cost $99.00. We discount the prices of a four point and wind mitigation inspection when both are done at the same time. Call us for details on the savings.