Your trusted jacksonville home inspector
Insurance Inspections for Agents and Homeowners
Helping Homeowners Get the Best Insurance Rates Possible
At Undercover Inspections, I specialize in providing detailed and accurate insurance inspections that help real estate and insurance agents ensure their clients receive the best coverage possible, while also giving homeowners peace of mind. My expertise in Four-Point and Wind Mitigation inspections makes me a trusted partner for agents and homeowners across Florida.
Wind Mitigation Inspection
- Comprehensive assessment of a home’s ability to withstand hurricane-force winds.
- Can result in significant insurance discounts for homeowners and provides valuable information for agents.
Four-Point Inspection
- Detailed examination of the roof, electrical, plumbing, and HVAC systems.
- Essential for older homes to secure insurance coverage and understand the condition of your property.
Roof Inspection
- Detailed examination of the roof.
- Essential for roof systems older than 15 years or for a home within 5 miles of the coast.
Steps
1
SCHEDULE INSPECTION:
Contact me via phone, email, or online form.
2
PREPARE FOR INSPECTION:
Clear Access: Verify all areas of the home are accessible, including attic, AC units, electrical plumbing, and all under sink plumbing.
Utilities: Confirm that all utilities (electricity, water, gas) are turned on and operational.
Plumbing: Check under sinks and around toilets for any signs of leaks or water damage.
HVAC: Make sure the thermostat is functioning and set to a comfortable temperature.
Roof: Clear any debris from the roof and gutters.
Pets: Ensure that pets are secured and won’t interfere with the inspection process
Documentation: Provide any relevant documentation for repairs or maintenance.
3
INPSECTION DAY:
I will arrive on time and conducts a thorough examination.
4
REPORT DELIVERY:
Receive a detailed report with photos same day.
5
FOLLOW-UP:
I am available to discuss findings and recommendations.
Why is a Florida Wind Mitigation Inspection important?
While the wind-mitigation inspection is for the insurance carrier, it is used to help offset the costs to the homeowner. If the homeowner has qualifying characteristics that help prevent wind damage, then they get discounts on their coverage. What is especially unique about this report is there is a specific form that home inspectors must use and the home inspector must have had training to perform these inspections.
This inspection will take about an hour, but is typically done at the same time as a 4-point inspection, together taking about 1.5 hours.
What is a Four-Point Inspection?
A Four-Point, also known as a 4-Point is for the insurance carrier to confirm a home is qualified to have insurance coverage through them. In other words, they want to determine if they want to write or renew a policy with you or not.
The four “Points” or what is inspected
- Electrical
- HVAC
- Plumbing
- Roof
What does the Florida Wind Mitigation Report look like?
The Florida Wind Mitigation report is a form mandated by the state. While it may not be easy to understand, please ask me for any clarifications on what any section means. View sample report here.