The inspection is usually performed by a licensed professional and provides an examination of the current condition of the house's four major systems. The inspection result tells the insurance company how much liability they'll assume if they provide home insurance coverage. Insurance companies may require a 4-point inspection before approving a new policy or renewing a homeowner's insurance coverage. The inspection can help homeowners identify issues that need to be addressed before listing their homes for sale.
This inspection is different from a standard home inspection. While a standard home inspection is a comprehensive evaluation of a house, a 4-point inspection only focuses on the four major components of a house. The inspection is not as in-depth as a full home inspection and only answers the questions asked by the insurance underwriter.
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This report can help you save money on your home insurance premiums by showing that your home has features that reduce the risk of wind damage. Inspector Express of Casselberry, FL will provide an evaluation of the following sections:
Building Code: This section indicates whether the structure was built in compliance with the Florida Building Code (FBC) or the South Florida Building Code (SFBC), depending on the location and the year of construction. It also provides the permit application date or the product approval number for the roof covering, if available.
Roof Covering: This section describes the type and condition of the roof covering, such as asphalt shingles, metal, tile, etc. It also indicates whether the roof covering meets the FBC or the SFBC requirements, based on the product approval number, the permit application date, or the year of installation or replacement.
Roof Deck Attachment: This section evaluates the strength of the attachment of the roof deck to the roof trusses or rafters, such as nails, screws, staples, etc. It also specifies the size, spacing, and pattern of the fasteners, and whether they meet the FBC or the SFBC requirements.
Roof to Wall Attachment: This section assesses the type and quality of the connection between the roof structure and the exterior walls, such as toe nails, clips, straps, etc. It also indicates the number, size, and location of the connectors, and whether they meet the FBC or the SFBC requirements.
Roof Geometry: This section identifies the shape and slope of the roof, such as gable, hip, flat, etc. It also calculates the percentage of the roof perimeter that has a hip shape, which is more resistant to wind uplift than other shapes.
Secondary Water Resistance (SWR): This section determines whether the roof has a secondary layer of protection that prevents water intrusion in case the primary roof covering is damaged by wind. Examples of SWR include self-adhering modified bitumen, foam adhesive, or a sealed roof deck.
Opening Protection: This section evaluates the level of protection of the windows, doors, skylights, and garage doors from wind-borne debris, such as shutters, impact-resistant glass, etc. It also indicates the weakest form of protection for each category of opening, and whether it meets the FBC or the SFBC requirements.
Conclusion: This section summarizes the findings and recommendations of the inspection, and provides any additional comments or explanations. It also includes the signature and seal of the inspector, and any supporting documents or photos.