4 Point Inspection

 

Must be licensed:

As of September 30, 2012, "all inspection forms must be inspected and completed by a verifiable Florida-licensed professional. Without a verifiable, certified inspector’s dated signature, the form will not be accepted. The following FLORIDA-LICENSED individuals may complete a 4-Point Inspection for Citizens in its entirety:

  • A general, residential, or building contractor
  • A building code inspector
  • A registered architect
  • A home inspector
  • A professional engineer
  • A building code official who is authorized by the State of Florida to verify building code compliance

Note: A trade-specific, licensed professional may sign off only on their trade component of the 4-Point inspection form (e.g., a roofing inspector may sign off only on the roofing portion of the form)." 

image1

Wind Mitigation

 In Florida, our primary concern is the wind damage caused by hurricanes. Hurricane season begins June 1 and ends November 30. That means for five of twelve months of every year, Floridians are at risk for exposure to high winds. Also, it is not unusual to have a hurricane or tropical storm outside of hurricane season.  

 A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy's premium