A Comprehensive Home Inspection: will help you identify maintenance items, defects, and better understand the overall condition of a property before you purchase.
Pre-Listing Inspection: benefits home owners by identifying any corrections that need to be made to the property prior to listing it. This provides owner's the option of correcting any defects found and avoiding delays during the selling process.
Wind Mitigation Inspections:Florida homeowner's insurance companies offer premium discounts based on a home's level of wind resistance. These windstorm mitigation inspections are used to determine whether specific protective reinforcements are in place.
After the inspection, the homeowner provides a copy of the wind mitigation inspection report also known as the Uniform Mitigation Verification Inspection Form to their insurance company.
Once the insurance company receives the report documenting that the home meets certain minimum criteria for wind resistance, discounts are immediately applied to the homeowner's insurance policy.
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).
Their common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.
Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.