# State Farm Four Point Poll

**URL:** <https://forum.nachi.org/t/state-farm-four-point-poll/91504>\
**Category:** Florida and SUNachi Inspectors\
**Created:** [November 22, 2014, 6:09pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504 "2014-11-22T18:09:54Z")\
**Posts on this page:** 20\
**Page:** 2

<div class="post-metadata">

**Author:** ![mgoldenberg](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/mgoldenberg/32/89265_2.png) [@mgoldenberg](https://forum.nachi.org/u/mgoldenberg)\
**Post date:** [November 23, 2014, 1:04am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/21 "2014-11-23T01:04:31Z")

</div>

> [@dquigley](#):
>
> here is the Form

Thanks for posting Dennis.  
I haven’t been cursed with it yet!

Where does it end?  
They gonna want to know if there’s termite damage/hole in the \roof to cause a $20K mold claim soon?

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<div class="post-metadata">

**Author:** ![jburkeson1](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jburkeson1/32/328752_2.png) [@jburkeson1](https://forum.nachi.org/u/jburkeson1)\
**Post date:** [November 23, 2014, 2:04am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/22 "2014-11-23T02:04:28Z")

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> [@Robert\_R.Sheppard](#):
>
> \*\*If you sign any form that qualifies you to do so under statute 468, you better be applying your state SoP’s. That means SS 468.8321 and SS 445.201 apply to ALL inspections you perform as a “home inspector”. \*\*As for being “outside the scope of” a home inspection, this appears no place in the statute of your/our licensing and or the SoP’s…it’s made up. Specifically, your FS SoP’s reference this under 61-30.801(2) as your standards shall not be construed as “limiting the scope of the home inspection process”. The intent of your licensing was to “preserve the health, safety, and welfare of the public”, this same sentence exists in the Florida Building Code under 101.3 Intent of the Admin section. You have no limits and are required to constantly educate yourself(SS 468.8316) every 2 years per renewal cycle. If the intent of your licensing matches the intent of the Building code…

After considerable thought I believe you’ve nailed it. Forms will come & go and home inspectors have an obligation to correctly report our findings to “preserve the health, safety, and welfare of the public”.

My refusal to fill out the State Farm Four Point Form is predicated on the fact that to spend the time required to do it correctly (with a modicum of quality control) takes significantly more time than the NACHI or Citizen form would. Subsequently, I would not feel comfortable in filling out one for less than $250.

> [@btoye](#):
>
> Agreed Eric, **there is no SOP for four points or wind mits. There is a “Standard of Care”** though, usually just outlined in the form the carrier accepts. State Farm reports are over the top and I charge accordingly. I tried to submit a CIT 4pt form with extra pics to State Farm once and got rejected…had to do it on their form to get accepted. As far as liability goes, I consider the Tower Hill form more obtrusive with one question they have about mold presence. I don’t ever use their form just because of that question.

I believe with all the differing Four Point Forms it would be very difficult to substantiate a “Standard of Care” that most carriers would agree upon. I no longer perform stand alone Four Point or Wind Mitigations. I control my exposure by limiting these inspections to clients who are purchasing a home. I use only the OIR or Citizen forms and the inspections are complementary, I do not charge for them. If those forms aren’t acceptable then they can hire someone else to do those inspections. My license does not obligate me to any insurance company, only the State of Florida can compel me to fill out a specific form.

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<div class="post-metadata">

**Author:** ![jshishilla](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jshishilla/32/1188_2.png) [@jshishilla](https://forum.nachi.org/u/jshishilla)\
**Post date:** [November 23, 2014, 2:41am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/23 "2014-11-23T02:41:34Z")

</div>

A four point is NOT a home inspection by state definition.

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 9:43am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/24 "2014-11-23T09:43:39Z")

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> [@evandeven](#):
>
> Robert,  
> This is an area that will be tested in a court of law one day. There are many arguments, but, the prevailing theory, is that a home inspection is used for the purchase of a home. A 4-point is used to determine if insurance can be obtained.
> 
> It would be a stretch to prosecute someone for a faulty four-point.
> 
> The wind mit was easy and a slam dunk for the simple reason of the wording used on the form. Specifically:Was the structure built in **compliance** with the Florida Building Code (FBC 2001 or later) OR for homes located in  
> the HVHZ (Miami-Dade or Broward counties), South Florida Building Code (SFBC-94)?  
> It doesn’t ask about roof covering, shutters, etc. It asks about the structure.  
> I have stated here and elsewhere, that the question should simply be, Permit application date:XX/XX/XXXX.  
> If the insurances companies wish to operate out of the scope of their licenses, fine. Don’t drag me down with your sinking ship!
> 
> I would submit, that a four point inspections intent is far different than a home inspection. Furthermore, if a home inspection was performed on a property along with a four-point, then the reports should be identical as far as defects go.
> 
> In your case above, a painted roof violates the manufactures specification. It is why they make different colored shingles. I fail those roofs regularly and on the four-point, life expectancy = 0 years.
> 
> To the last paragraph, where is the SoP for wind mits?
> 
> I have stated publicly on many occasions, that the insurance inspections are nothing more than a way to generate income for the insurance companies. They serve no other intended purpose. In some instances, maybe changes are made to the home which will allow it to survive a storm better that it previously could. That is assuming, such a storm occurs.
> 
> Your insurance premium is based on the replacement value of the home. If the damage isn’t severe enough to warrant replacement, then the insurance company still comes out ahead.That also includes the minimal chance of failure of certain components in a home, which probably amounts to 5% of total losses.
> 
> Finally, I have tried to convince people that a standard 4-point inspection and a one-page wm inspection should be implemented. People here on this message board especially, mocked me. Enjoy what you now have.
> 
> These are the same individuals who said that changes would go through as it pertains to the SoP. Guess what? Thanks to a few others and myself, home inspectors were spared the raping of the SoP. You are welcome…

Eric, These are the people and situations where a “home inspection” license is not required or the adherance to the statutes of our licensing. It’s not theory, it’s fact vs fiction:

\*468.831 Exemptions.—\*\*The following persons are not required to comply with any provision of this part: \*  
_(1) An authorized government employee of the United States, this state, or any municipality, county, or other political subdivision who is conducting home inspection services within the scope of that employment, as long as the employee does not hold out for hire to the general public or otherwise engage in home inspection services._  
_(2) A person acting within his or her authorized scope of practice as licensed under federal, state, or local codes or statutes, except when such person holds himself or herself out for hire to the public as a “certified home inspector,” “registered home inspector,” “licensed home inspector,” “home inspector,” “professional home inspector,” or any combination thereof stating or implying licensure under this part._  
_(3) An officer appointed by the court._  
_(4) A person performing safety inspections of utility equipment in or on a home or building or other duties conducted by or for a utility under chapter 366 or rules adopted by the Public Service Commission._  
_(5) A certified energy auditor performing an energy audit of any home or building or other duties conducted by or for a utility under chapter 366 or rules adopted by the Public Service Commission._  
_History.—s. 2, ch. 2007-235._

There is one thing we agree upon, it is “theory” to think I’m wrong, The OIR will nt issue clarification becuase they want the stautues of our licensing to determine what is and isn’t required…that’s why we are licensed in the first place. A 4-point is a home inspection with exclusions, you are required to notify your buyer of the exclusions 24 hours in advance…period. That’s why most home inspectin agreements are invalid, per you licensing you must send a copy of your state licnese AND any/all exclusions “prior to contracting for or commencing a home inspection”. It always surprises me what little people understand about their licensing and the statutes that goven them.

_468.8321 Disclosures.—Prior to contracting for or commencing a home inspection, a home inspector shall provide to the consumer a copy of his or her license to practice home inspection services in this state and a written disclosure that contains the scope and any exclusions of the home inspection._  
_History.—s. 2, ch. 2007-235._  
\*\*  
Anthing other than what is written in the statutes of our licensing is strictly speculation based on uninformed opinion.

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 9:46am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/25 "2014-11-23T09:46:34Z")

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> [@jshishilla](#):
>
> A four point is NOT a home inspection by state definition.

Yes it is, it’s a home inspection with exclusions…and as stated in FSS 468.8321, you must report this “prior to contracting for or commencing a home inspection”.

\*468.8321 Disclosures.—Prior to contracting for or commencing a home inspection, a home inspector shall provide to the consumer a copy of his or her license to practice home inspection services in this state and a written disclosure that contains the scope and any exclusions of the home inspection. \*  
_History.—s. 2, ch. 2007-235._

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 11:32am UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/26 "2014-11-23T11:32:55Z")

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This is actual language from the citizens website detailing how a Wind mitigation inspection shoul be performed:

* * *

- [The Inspection](https://www.citizensfla.com/policyholder/inspections/?defaultinfo=/shared/inspection/WindMitigationInspections.cfm&show=text&link=/shared/inspection/WindMitigation/AboutYourInspection.html#)Before the inspection begins, give your inspector copies of any mitigation documents you have; the inspector will include these documents in the inspection report.

The inspector will perform a comprehensive inspection of your home and property, including:

[LIST]

- The home’s basic structure and construction materials
- Roof shape, materials, condition and connections
- Wall construction
- Exterior and garage doors, windows and skylights
- Storm shutters/panels (installed or stored on the property)
- Attic interior

[/LIST]  
Doesn’t this sound a lot like a home inspection?

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<div class="post-metadata">

**Author:** ![dbonner](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/dbonner/32/171063_2.png) [@dbonner](https://forum.nachi.org/u/dbonner)\
**Post date:** [November 23, 2014, 2:12pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/27 "2014-11-23T14:12:15Z")

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That form blows, charge double.

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<div class="post-metadata">

**Author:** ![rlewis5](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/rlewis5/32/337040_2.png) [@rlewis5](https://forum.nachi.org/u/rlewis5)\
**Post date:** [November 23, 2014, 2:15pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/28 "2014-11-23T14:15:47Z")

</div>

I think its beyond the scope, but it is easy enough to fill out.

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 2:24pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/29 "2014-11-23T14:24:24Z")

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> [@rlewis5](#):
>
> I think its beyond the scope, but it is easy enough to fill out.

Your state standards do not limit you, they give you a basis for minimal practice. NOTHING is really “beyond the scope” of a home inspection. I know people who are licensed home inspectors that are engineeers, architects, CGCs, etc…You are only limited by your education and training, not your standards. period!

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<div class="post-metadata">

**Author:** ![wsiegel](https://avatars.discourse-cdn.com/v4/letter/w/3d9bf3/32.png) [@wsiegel](https://forum.nachi.org/u/wsiegel)\
**Post date:** [November 23, 2014, 2:40pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/30 "2014-11-23T14:40:48Z")

</div>

Looks like most of you guys are missing the point of what Robert is saying, or do not want to admit to it. James and Eric are the only ones that seem to understand it. Opinions in this matter will mean nothing. Eventually it will be settled in court and then a precedent will be set.

A while back, about three years ago I posted about a wind mitigation where the inspector was sued for marking straps when there were no straps. On the re-inspection the second guy got it right. The first inspector got sued and everyone on this board said there was no way he could lose. Most of the comments were that it was an old form and the client had benefited from the error for three years. Well, that case, too, never made it to court. His lawyer advised him to settled. It cost him $5000.00. So this stuff does happen. And it will happen again. Happy inspecting everyone

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<div class="post-metadata">

**Author:** ![jburkeson1](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jburkeson1/32/328752_2.png) [@jburkeson1](https://forum.nachi.org/u/jburkeson1)\
**Post date:** [November 23, 2014, 3:02pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/31 "2014-11-23T15:02:23Z")

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> [@jshishilla](#):
>
> A four point is NOT a home inspection by state definition.

> [@dbonner](#):
>
> That form blows, charge double.

Blow, in this case is merely a figure of speech, I believe the word you are reaching for is suck… And still, $100 is far too cheap as the completed State Farm Form is a reasonable facsimile of a home inspection which could equip an astute buyer with enough knowledge to make a informed financial decision, thus bypassing the need for a full home inspection entirely. :lol:

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<div class="post-metadata">

**Author:** ![jburkeson1](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jburkeson1/32/328752_2.png) [@jburkeson1](https://forum.nachi.org/u/jburkeson1)\
**Post date:** [November 23, 2014, 3:06pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/32 "2014-11-23T15:06:37Z")

</div>

> [@jshishilla](#):
>
> A four point is NOT a home inspection by state definition.

> [@dbonner](#):
>
> That form blows, charge double.

Blow, in this case is merely a figure of speech, I believe the word you are reaching for is suck… And still, $100 is far too cheap as the completed State Farm Form is a reasonable facsimile of a home inspection which could equip an astute buyer with enough knowledge to make a informed financial decision thus bypassing the need for a state defined home inspection entirely. :lol:

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<div class="post-metadata">

**Author:** ![evandeven](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/evandeven/32/373798_2.png) [@evandeven](https://forum.nachi.org/u/evandeven)\
**Post date:** [November 23, 2014, 4:25pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/33 "2014-11-23T16:25:10Z")

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> [@Robert\_R.Sheppard](#):
>
> This is actual language from the citizens website detailing how a Wind mitigation inspection shoul be performed:
> 
> * * *
> 
> - [The Inspection](https://www.citizensfla.com/policyholder/inspections/?defaultinfo=/shared/inspection/WindMitigationInspections.cfm&show=text&link=/shared/inspection/WindMitigation/AboutYourInspection.html#)Before the inspection begins, give your inspector copies of any mitigation documents you have; the inspector will include these documents in the inspection report.
> 
> The inspector will perform a comprehensive inspection of your home and property, including:
> 
> [LIST]
> 
> - The home’s basic structure and construction materials
> - Roof shape, materials, condition and connections
> - Wall construction
> - Exterior and garage doors, windows and skylights
> - Storm shutters/panels (installed or stored on the property)
> - Attic interior
> 
> [/LIST]  
> Doesn’t this sound a lot like a home inspection?

No, it sounds like a specific list of items to be inspected. It does not include all portions of the system, roof for instance.  
Furthermore, the SoP does not require the type of roof to wall connection or nailing pattern to be inspected.

Standards of Practice, Roof Covering.  
(1) Roof covering systems and components include the  
following:  
(a) Roofing materials;  
(b) Flashings;  
(c) Skylights, chimneys, and roof penetrations;  
(d) Roof drainage systems;  
(e) Ventilation of attics; and  
(f) Insulation of attics.  
(2) The inspector shall inspect all of the visible and readily  
accessible roof covering systems and components.

61-30.802 Standards of Practice, Structure.  
(1) Structural system and components include the following:  
(a) Foundation;  
(b) Floor structure;  
(c) Wall structure;  
(d) Ceiling structure;  
(e) Roof structure;  
(f) Posts;  
(g) Beams;  
(h) Columns;  
(j) Joists;  
(k) Rafters;  
(l) Trusses;  
(m) Other framing; and  
(n) Ventilation of foundation areas.  
(2) The inspector shall inspect all of the visible structural systems and components by probing structural components where deterioration  
is visible or suspected or where clear indications of possible deterioration exist. Probing is not required when, in the opinion  
of the inspector, probing would only further damage any area already identified as defective or where no deterioration is visible or  
presumed to exist.

These standards do not apply to a wind mitigation inspection. The wm inspection is not required to meet the minimum standards. It is specific in its intent.

The form itself is worded in a way where if one got to court, you would lose.

Back to the 4-point. I don’t think legally, it wold be considered a home inspection. I have inspected houses that were previously inspected and a 4-point was done. When they got a copy of my 4-point, they were upset as there were vast differences in the reports.

I rarely do a stand alone 4-point…because I charge $450.00.  
In order to find all visible hazards or deficiencies, you have to inspect each system.

> [@](#):
>
> The Florida-licensed inspector is required to certify the condition of the electrical, HVAC and plumbing systems. Acceptable  
> Condition means that each system is working as intended and\*\* there are no visible hazards or deficiencies\*\*.

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 4:41pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/34 "2014-11-23T16:41:26Z")

</div>

> [@evandeven](#):
>
> No, it sounds like a specific list of items to be inspected. It does not include all portions of the system, roof for instance.  
> Furthermore, the SoP does not require the type of roof to wall connection or nailing pattern to be inspected.
> 
> Standards of Practice, Roof Covering.  
> (1) Roof covering systems and components include the  
> following:  
> (a) Roofing materials;  
> (b) Flashings;  
> (c) Skylights, chimneys, and roof penetrations;  
> (d) Roof drainage systems;  
> (e) Ventilation of attics; and  
> (f) Insulation of attics.  
> (2) The inspector shall inspect all of the visible and readily  
> accessible roof covering systems and components.
> 
> 61-30.802 Standards of Practice, Structure.  
> (1) Structural system and components include the following:  
> (a) Foundation;  
> (b) Floor structure;  
> (c) Wall structure;  
> (d) Ceiling structure;  
> (e) Roof structure;  
> (f) Posts;  
> (g) Beams;  
> (h) Columns;  
> (j) Joists;  
> (k) Rafters;  
> (l) Trusses;  
> (m) Other framing; and  
> (n) Ventilation of foundation areas.  
> (2) The inspector shall inspect all of the visible structural systems and components by probing structural components where deterioration  
> is visible or suspected or where clear indications of possible deterioration exist. Probing is not required when, in the opinion  
> of the inspector, probing would only further damage any area already identified as defective or where no deterioration is visible or  
> presumed to exist.
> 
> These standards do not apply to a wind mitigation inspection. The wm inspection is not required to meet the minimum standards. It is specific in its intent.
> 
> The form itself is worded in a way where if one got to court, you would lose.
> 
> Back to the 4-point. I don’t think legally, it wold be considered a home inspection. I have inspected houses that were previously inspected and a 4-point was done. When they got a copy of my 4-point, they were upset as there were vast differences in the reports.
> 
> I rarely do a stand alone 4-point…because I charge $450.00.  
> In order to find all visible hazards or deficiencies, you have to inspect each system.

You are drastically misinterpreting the standards Eric, respectfully. As I have said before, there are many terms and phrases that get thrown around the home inspection arena. One of the more misused terms is “limited visual inspection”, this term appears no place in our standards other than continuing education. With the case in mind, if you are supplying wind mitigations with your home inspections…it’s already assumed you are perfomring a code inspection as you are “verifying code compliance” with that form. There are no limits to a home inspection, this needs to be pounded into everyone’s head.  
One other issue with common misconseptions of our standards, the thought process that the inspector “shall not” or “is prohibited from” performing his/her inspection to a higher standards. It doesn’t exist. What the standards do say is that the inspector shall not put himself in harms way or do something that could harm the occupants of the structure. That’s it. Everything else is “shall inspect” or “is not required to”…  
Do you sign that form under the title “home inspector”? Are there any statutes or laws that define “home inspector”? Statute 468! Nothing in the statues or licensing of our occupation reinforces your opinion, but they do support mine. The exceptions are listed…and 4-points/wind mitigations, or the inspectors who perform them under the HI licensure, are not listed under exclusions.

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<div class="post-metadata">

**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 5:38pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/35 "2014-11-23T17:38:24Z")

</div>

> [@evandeven](#):
>
> No, it sounds like a specific list of items to be inspected. It does not include all portions of the system, roof for instance.  
> \*\*Furthermore, the SoP does not require the type of roof to wall connection or nailing pattern to be inspected. \*\*
> 
> Standards of Practice, **Roof Covering**.  
> (1) **Roof covering systems and components include the**  
> **following:**  
> **(a) Roofing materials;**  
> (b) Flashings;  
> (c) Skylights, chimneys, and roof penetrations;  
> (d) Roof drainage systems;  
> (e) Ventilation of attics; and  
> (f) Insulation of attics.  
> (2) **The inspector shall inspect all of the visible and readily**  
> **accessible roof covering systems and components.**
> 
> 61-30.802 Standards of Practice, Structure.  
> (1) Structural system and components include the following:  
> (a) Foundation;  
> (b) Floor structure;  
> (c) Wall structure;  
> (d) Ceiling structure;  
> (e) Roof structure;  
> (f) Posts;  
> (g) Beams;  
> (h) Columns;  
> (j) Joists;  
> (k) Rafters;  
> (l) Trusses;  
> (m) Other framing; and  
> (n) Ventilation of foundation areas.  
> (2) The inspector shall inspect all of the visible structural systems and components by probing structural components where deterioration  
> is visible or suspected or where clear indications of possible deterioration exist. Probing is not required when, in the opinion  
> of the inspector, probing would only further damage any area already identified as defective or where no deterioration is visible or  
> presumed to exist.
> 
> These standards do not apply to a wind mitigation inspection. The wm inspection is not required to meet the minimum standards. It is specific in its intent.
> 
> The form itself is worded in a way where if one got to court, you would lose.
> 
> Back to the 4-point. I don’t think legally, it wold be considered a home inspection. I have inspected houses that were previously inspected and a 4-point was done. When they got a copy of my 4-point, they were upset as there were vast differences in the reports.
> 
> I rarely do a stand alone 4-point…because I charge $450.00.  
> In order to find all visible hazards or deficiencies, you have to inspect each system.

Definition of “roof covering/roofing system” as listed in the Florida Building Code:

\*\*ROOF ASSEMBLY. \*\*A system designed to provide weather protection and resistance to design loads. The system consists of a roof covering and roof deck or a single component serving as both the roof covering and the roof deck. A roof assembly includes the roof deck, vapor retarder, substrate or thermal barrier, insulation, vapor retarder, and roof covering. \*\*

ROOF COVERING.\*\* The covering applied to the roof deck for weather resistance, fire classification or appearance.

That should cover everything!\*\*

\*\*

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<div class="post-metadata">

**Author:** ![mmeeker](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/mmeeker/32/59432_2.png) [@mmeeker](https://forum.nachi.org/u/mmeeker)\
**Post date:** [November 23, 2014, 5:40pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/36 "2014-11-23T17:40:20Z")

</div>

Citizens are not the creators of a wind mitigation report. So what they say really should not matter they have to accept it if done as per forms directions, "oh yeah unless they want more info…wonder how that got in there?. The OIR should be the ones making such comments. The OIR needs to be totally disbanded get rid of everyone associated with it and rebuild it from the ground up with the intent and power to REGULATE THE INSURANCE Companies.

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**Author:** ![Robert\_R.Sheppard](https://avatars.discourse-cdn.com/v4/letter/r/c6cbf5/32.png) [@Robert\_R.Sheppard](https://forum.nachi.org/u/Robert_R.Sheppard)\
**Post date:** [November 23, 2014, 6:33pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/37 "2014-11-23T18:33:37Z")

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> [@mmeeker](#):
>
> Citizens are not the creators of a wind mitigation report. **So what they say really should not matter they have to accept it if done as per forms directions** , "oh yeah unless they want more info…wonder how that got in there?. The OIR should be the ones making such comments. The OIR needs to be totally disbanded get rid of everyone associated with it and rebuild it from the ground up with the intent and power to REGULATE THE INSURANCE Companies.

Citizens is giving or taking away credits based on what you report…so what they say shouldn’t matter? The form asks you if the structure was built in compliance with the code. If it was anything other than that, they could call the building department themselves and exclude the middle man. You say one thing based off of your opinion…statute, courts, and I say another. Who do you think is going to win that one?

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**Author:** ![jburkeson1](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/jburkeson1/32/328752_2.png) [@jburkeson1](https://forum.nachi.org/u/jburkeson1)\
**Post date:** [November 23, 2014, 6:35pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/38 "2014-11-23T18:35:48Z")

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Correct me if I’m wrong, but I was under the assumption that State Farm had negotiated a fixed price of $50 for their four point inspections from a state wide firm where the inspector received a total of $100… $50 from the customer and $50 from State Farm, no?

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**Author:** ![mmeeker](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/mmeeker/32/59432_2.png) [@mmeeker](https://forum.nachi.org/u/mmeeker)\
**Post date:** [November 23, 2014, 6:37pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/39 "2014-11-23T18:37:32Z")

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I never heard it and sure as hell would not do it 🙂

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**Author:** ![btoye](https://sea2.discourse-cdn.com/internachi/user_avatar/forum.nachi.org/btoye/32/58400_2.png) [@btoye](https://forum.nachi.org/u/btoye)\
**Post date:** [November 23, 2014, 7:18pm UTC](https://forum.nachi.org/t/state-farm-four-point-poll/91504/40 "2014-11-23T19:18:33Z")

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> [@jburkeson1](#):
>
> Correct me if I’m wrong, but I was under the assumption that State Farm had negotiated a fixed price of $50 for their four point inspections from a state wide firm where the inspector received a total of $100… $50 from the customer and $50 from State Farm, no?

Not sure if State Farm is offering this, but I did hear that other carriers use large inspection firms for their 4pts and split the fee with the policyholders (I think USAA does this). I believe this is also done for preliminary sinkhole surveys, but not with Citizens Ins.

I wouldn’t do a State Farm 4pt for $100 though.

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