When do I need a Home Inspector

When do I need a Home Inspector? Do some research. While you may have already decided on looking for a new home, why not start your search for a home inspector as well. Referrals work well, I still recommend checking credentials as well as experience. If you can not get a referral, many sites offer services you may need and, they already did your homework and checked the credentials.

If your buying a home, once you have reached an accepted offer, you can now get your inspection scheduled. Most contracts give you a 10 day inspection window where others may only have 7 days. Check with your Realtor agent.

Pest inspections or Wood Destroying Organism Inspections may be required by your lender.

If you need one of three insurance inspections as per requirement, before  a new policy or renewal, contact an inspector right away to get on the schedule. Most inspection companies can accommodate insurance inspections within 48 hours. These inspections are as listed; Wind Mitigation Verification reports, Four Point Insurance Inspections and Roof Certification reports. All must be performed by a qualified Licensed Inspector on approved forms.

Anyone wishing to put their home on the market would benefit from a pre sale inspection. A pre sale would give you the edge, knowing what the issues are before listing. Many items found during a pre sale inspection could be corrected and minimize the repairs or conditional requests from potential buyers. Most buyers who purchase a home with a pre sale inspection will waive the inspection period, resulting in a quicker sale.

11 month warranty inspections can be ordered within the 11th month. These inspections cover all aspects of the home 11 months after build to avoid an out of warranty issue.

 

4 Point Insurance Inspection

What is a 4 point Insurance Inspection?

Usually, a four point will be required if the home is 25 years or older, regardless if it’s a new policy or one that may be up for renewal.

What the Inspection Covers

This type of inspection covers four basic areas: Heating, ventilation and air conditioning or HVAC, Electrical, plumbing, and roof. Any of these components could be a potential source of a home owner’s insurance claim. If they’re in good condition, the insurer can feel more confident about issuing a policy. Otherwise, the Insurer can request failed components be updated prior to issuing the new policy.

What can be a red flag during a four point inspection?

Over the years, building techniques and materials have changed. What was once a new and innovative product 25 years ago may now be todays problems.

What is a 4 point Insurance Inspection?

This type of inspection covers four basic areas: Heating, ventilation and air conditioning or HVAC, Electrical, plumbing, and roof. Any of these components could be a potential source of a home owner’s insurance claim. If they’re in good condition, the insurer can feel more confident about issuing a policy. Otherwise, the Insurer can request failed components be updated prior to issuing the new policy.

What can be a red flag during a four point inspection?

Over the years, building techniques and materials have changed. What was once a new and innovative product 25 years ago, may now be today’s issues.

HVAC Systems; Older systems may still be in use but not energy efficient. Many HVAC systems will last 15 to 20 years. What I find is the a/c component was replaced but the air handler was never serviced or upgraded.

PLUMBING; Polybutylene, usually a gray or white plastic is a form of plastic resin that was used in the manufacture of water supplies from 1978 to 1995. A series of reports have suggested that increased use of choloramines inhibit corrosion to not only the polymers in the plastic but to the metal connections as well. It isn’t inherently bad. It does not make you 100% uninsurable. It will not definitely fail. It does, however, put a homeowner at a potentially higher risk for serious plumbing leaks.

ELECTRICAL SYSTEM; Most homes today are up to date and have approved panels and wiring. This is not the case when it comes to some specific panels and manufacturers.

Federal Pacific Electric Company (FPE) was one of the most common manufacturers of circuit breaker panels in North America from the 1950s to the 1980s. Millions of their panels were installed in homes across the country. Yet, as the years passed, electricians and home inspectors often found Federal Pacific Electric panels failed to provide proper protection to homeowners and their families. Experts now say that FPE panels can appear to work fine for years, but after one over current or short circuit, they can overheat and become fire hazards. I advise upgrading.

ROOFING; There are many options for roofing. Many types have a life expectancy averaging 25 to 40 years. Most problems associated with inspecting for a four point is that the roof has not been updated and many have reached the life expectancy. Here are some life expectancies;

asphalt shingle (3 tab) = 15 to 25 years
asphalt shingle (architectural) = 20 to 40 years
roll roofing = less than 10 years
built-up roofing = 10 to 20 years
single-ply membrane roofing = 10 to 20 years
metal roofing (shingle and sheet) 25 to 50 years
clay and cement tiles = 25 to 50 years

 

 

Wind mitigation verification reports

What is a wind mitigation you ask? Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind.

In Florida, the portion of a homeowner’s premium covering wind damage can be up to 70% of the total, depending on location.

Generally, a wind mitigation inspection is needed to determine which credits apply to a home. During a wind mitigation inspection, a certified inspector looks for key features and add-ons that reduce the amount of damage your home may suffer in the event of a hurricane or strong windstorm.

In summary, wind mitigation is a strategy designed to limit the amount of wind damage inflicted on a structure. Various incentives are in place to motivate homeowners to implement these enhancements, and qualified inspectors can determine which improvements are necessary.

Wind mitigation techniques

A windstorm inspection, also referred to as a windstorm mitigation inspection, windstorm insurance inspection or wind mitigation inspection, is a kind of home inspection common in the coastal areas of the Southeastern United States.