I guess this is what I was looking for, there are options in Florida we’re not just tied to Citizens and that’s all
Depends…
They change their minds too many times. Perhaps you are changing insurers also.
I’m doing one tomorrow form an inspection 5 1/2 yrs ago.
The carrier said required now so here I come!
I estimate about 1/3 of my insurance reports are from previous customers.
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A wind mitigation inspection is “good” for 5 years.
I don’t know how long they consider a 4 point “good” for, but probably about 5 minutes.
If you are getting insurance here, or changing, a good percentage of insurers will require one or both inspections.
I think it would probably lower premiums because it would expose problems likely to cost the insurance company money and maybe save someone’s life.
It’s going to cost home owners for the inspection and if they have to do repairs.
I did 4pt and the Insurance company required the AC be replaced because there was former water damage under the air handler from the condensate line. The Home owner didn’t blame me and when they replaced the unit, the plumbing fell apart. It would have done it again, sooner or later.
Your previous inspection customers?
12 months is the word from Citizens.
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…he’s only really talking about a real estate transaction, not joe home owner renewing his annual policy, correct?
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That’s what I was thinking of Larry, but I guess they are required for more than just for property transactions.
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Thanks. That helps.
One would hope that to be true. But when an industry can unilaterally mandate something, it may end up just benefitting only that industry.
Policy renewal will trigger the request for 4 point or other insurance reports, depending on building age.
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True, they are all bottom feeding sea worms for the most part. About as trustworthy as a used car salesman at a buy here, pay here lot.
Yes sir.
After 9000 inspections, people know & love/hate me… … …
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So, I always was under the impression that wind mitigation inspections were part of a 4 point inspection, I was thinking this because I thought it was a Florida thing due to it being hurricane country.
So now I know they are two completely different inspections, and I’m guessing both are requirements to get property insurance put in place by the insurance industry.
I understand why they would want wind mitigation inspections done, but when it comes to the 4 point inspections, why only Florida?
The “Florida thing” ranks right there with the “Florida Man”. 
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I’m thinking because of the propensity for severe weather, especially hurricanes.
I found this blurb…
Florida created a new set of building regulations in response to Hurricane Andrew in 1992, which destroyed many homes and caused 65 deaths. As a result, four-point inspections were created to ensure that homes 30 years and older were safer and better prepared for severe weather.
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Yes, they are 2 different inspections. The wind mitigation is not required and in some instances, may not matter. The purpose of the wind mitigation inspection is depending on certain features of the home, lower your premium…which will then double the following year!
The four-point inspection on the other hand, will determine if you can even get insurance. 20 year old shingle roof, no insurance, and that is from Citizens own newsletter. Other items that may prevent you from obtaining coverage: Aluminum wiring, fpe panels, zinsco panels, polybutylene piping, pex piping, galvanized piping…and I am sure the list will grow.
You really do not want these inspections to become mandatory. For one, there are companies here that do both inspections for $100. The biggest issue right now is with people who are renewing or switching companies. You go out to do a four-point and find things that are wrong. Now your client has to spend money fixing these items or get dropped and if they have a mortgage, then they get force-placed insurance, which is significantly more expensive. This affects their mortgage payment.
It is a nightmare when you do these along with a home inspection because everything you find during the home inspection should also appear on the four-point (electrical, plumbing, hvac, roof).
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[quote="Larry Kage, CMI, post:20, topic:239424, username:lkage”]
I’m still not understanding how something that would be unilaterally mandated by the insurance company would be a benefit to “joe home owner” not “joe home buyer”
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It seems like is is quite off-balanced benefiting the insurance company much more than “joe home owner”.
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It benefits the insurance company at the homeowners expense.
It is also a sneaky way to “get a look inside your home”…at your expense which may end up costing you even more money. Because it is a requirement of the mortgage, the insurance companies have you by the short hairs.
I know several rather wealthy people. None of them have insurance on their homes. They have a fund to make repairs and in the event of damage that needs repair, who do you think gets their homes repaired first? People who have cash on hand and don’t have to spend significant time waiting for payments or negotiating amounts of said payments…
A friend of mine has a property in Islamorada that was damaged by Hurricane Irma. A week later a crew was out repairing the home…meanwhile I just now received the final payment from my insurance company for our rental that was damaged in Hurricane Irma,. For those keeping score, that would be 6 years waiting to get paid…
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