A wind mitigation inspection is really not an inspection, but a report for your insurance company. The wind mitigation report informs the insurance carrier of a home’s construction to determine its stability in the event of strong winds. The report assesses and notes the age of the home, the age of the roof covering, the method of attachment for the roof decking to the truss/rafters, the roof to wall attachment style (toenail, clips, straps), the geometrical shape of the roof (hip, gable, other), any secondary water resistance that may have been installed during construction/replacement, and the opening protection rating. (The opening protection rating involves checking all windows and doors for any rating stickers installed by the manufacturers or any form of hurricane shutters that have been made for this home specifically. It is important to note that when it comes to your opening rating, the insurance company abides by an all or nothing rule. This means that having some rated windows and/or partial shutters will not qualify you for discounts. Additionally, an inspector will only visually inspect any hurricane shutters to determine that there are enough for all openings, meaning no shutters are installed or tested). A homeowner can often submit the results from a wind mitigation inspection to their insurer to obtain discounts on their insurance. However, this is not a guaranteed deduction and homeowners should confirm with insurers that the discount will apply to their policy.
The wind mitigation inspection is not an inspection of your roof’s condition nor the condition of any windows/doors/skylights and overall structure unless to note defects that could negate their rating level. While the inspector might see defects while they are on site, the defects will not be listed in report.
A four point home inspection is NOT a pre-purchase/pre-sale home inspection, which is much more comprehensive in nature. It is simply to provide the specific information an insurance company needs in regards to 4 components of a home (roof, HVAC, electric, plumbing).
During a four point inspection the inspector will check the overall quality and condition of the roof covering and be sure it is free of damage or deficiencies. They will sometimes perform a LIMITED inspection of the attic to ensure no ACTIVE leaks are present if the attic access and space is easily accessible and/or visually inspect all interior ceilings for any signs of moisture intrusion.
They will visually inspect your HVAC units and perform a simple temperature adjustment test to ensure the system is functioning to industry standards. The electrical panel is visually inspected and the cover panel is removed to ensure adequate power supply along with proper wiring and all GFCI protected outlets are physically tested to ensure proper function. The water heater is inspected visually along with a heating temperature check. The plumbing of the home is inspected by running water in sinks, showers and flushing toilets to ensure proper supply pressure and drainage is present. All upgrades to these systems are noted by manufacturing date and/or permit completion date via county/city databases.
The components that are checked are not inspected as comprehensively as during a full home inspection. For example the HVAC system is only checked to ensure proper heating and/or cooling function is present to industry standards, it does not cover interior coil condition, filter condition, duct work, refrigerant lines and exterior coil. This is also true for the roof covering, while the roof is inspected for any possible leaks or missing covering it is not inspected for other deficiencies such as chipped and cracked tiles or partially damaged shingles. The insurance company is only concerned with fully missing coverings. While the water heater and plumbing are inspected to insure proper function and drainage are present, any potential safety hazards on the water heater are not noted. These are all details that are covered in a home inspection report along with all the following items:
So while 4 point and wind mitigation inspections provide you with some information, they are not going to help ensure the components and systems of the home are working as they are intended to and may not identify defects that could affect the value of the property or pose a danger to someone. For information about Hope Home Inspections' 4 point and wind mitigation inspections click here.
Quite commonly, people think of mold as a bad word, but it’s not. Our earth would be inhabitable by humans and animals without mold, therefore making it impossible to ever buy a “mold-free” home. However, an issue arises when there is too much mold. But fear not, our inspectors work closely with one of the best mold testing companies around, InspectorLab. Keep reading to determine if you would benefit from mold testing and which services will fulfill your needs.
The first type of service offered is surface testing. During your home inspection, the inspector looks for evidence of mold, or “microbial” growth. Using a swab or tape lift to sample the growth, they can see if there is evidence if the home has current or former mold growth. Mold growth can come from a variety of different sources such as past water intrusion or excess humidity. It’s recommended to surface test when visible mold is present, evidence of cleanup or removal of mold took place, or to ensure repairs due to mold, performed by a third party, were done properly.
The second type is air quality testing. It is perfectly normal to find mold spores in the air because the environment cannot survive without them, but the air samples taken in the home are based on a baseline sample from the outside and then compared with the air inside. This evidence will help our inspectors determine hidden dangers that could be lurking such as moisture or leaks which would cause the mold spores to be produced. You should consider an indoor air quality test when a recent water event is suspected, a musty smell is noticed, any family members have a high sensitivity to mold or allergies, or recent mold removal took place.
Our third service is a comprehensive moisture evaluation. This involves samples that are tested to evaluate potential health hazards from mold as well as locating any sources of moisture that will eventually transform an area to be wet and moldy. This is a good idea if the home sat vacant for a long period of time or when a major water event happened in the home.
InspectorLab provides clear results in an easy to read report and an exclusive guarantee with their services. If you have mold testing done and the results are good, but mold is visible later on, they will pay to have your mold removed. For a complete copy of the terms and conditions of the InspectorLab Guarantee, click here.
They say, “A picture says a thousand words,” but what if this picture could literally save you thousands?
No, not just any picture; a picture taken on an infrared thermography camera which captures infrared energy and surface temperature that our naked eye can’t see. Our infrared cameras are the only diagnostic technology that lets us instantly visualize and verify the performance in your home.
Our brains have been conditioned to associate the color red with negativity. Stop at a red light. Don’t get a red card in elementary school. Pull over for the red firetrucks and so forth. Seeing the color red sends up warning signals in our brain that something is wrong. With infrared thermography from our cameras, sources of potential failures show up bright red on camera because nearly anything that uses or transmits power gets hot (hot we associate with fire, fire we know is red).
Not only do these high tech cameras illuminate the hot spots, they also show moisture. Just like we associate blue with water, the bright blue and purple colors represent water in an area. With these cameras, we are able to locate sources of water damage, alerting the buyers/sellers of a potential threat to the home. By investing in these cameras, you are sure to invest in us. Since we are able to find sources of electric damage, water damage, etc., we also find you time for a solution, saving you thousands. In an inspection, infrared thermography is one of the most effective, proven, and predictive technologies available to quickly, accurately, and safely locate problems prior to failure. By investing in cost effective tools, we are able to catch your home’s electrical and mechanical systems. Now who doesn’t want to save some money?!
Is your home inspector really insured?? Does their insurance help protect buyers and real estate agents AFTER an inspection is completed?
Your home inspector may tell you he is "licensed and insured" but what does that mean and will it really protect you?
Florida Statutes state that a home inspector shall maintain a commercial general liability insurance policy, but does not require a home inspector to carry E&O insurance.
General liability insurance handles cases where an inspector accidentally damages property or causes bodily harm while on the inspection, but what about what happens after the inspection? What happens if the inspector makes a mistake and misses something that a buyer finds after they move into the home? Errors and Omissions insurance is designed for just this situation.
Inspectors are human and mistakes can happen. If an inspector inadvertently misses or simply fails to report an issue that later leads to property damage or bodily injury, E&O insurance helps cover these damages. General Liability insurance does not.
Hope Home Inspections not only carries both GL and E&O coverage, we go even a step further to help protect the Real Estate Agents that refer us by carrying a special rider to help cover agents from being held responsible for any “wrongful act” in our performance or in our failure to perform “inspection services”.
So, the next time you need a home inspector, be sure to ask just exactly what type of insurance they carry and find out if the inspector, the agent and the buyer are really covered.
Below is a link to a great article for buyers, sellers and Realtors on what to expect and how to negotiate issues after your home inspection. It talks about setting expectations and has some great tips on how to deal with issues found.
Everyone knows how stressful buying and selling a home can be. Not only is it often one of the biggest financial events in someone's life, but it is also emotional. Sellers are not just selling a house, they are leaving a home. The reason for buying or selling a home is often exciting; A young couple can finally afford a home, there was a promotion, new job or a new addition to the family. But sometimes it is a sad event and families must move from a home or city they love.
What ever the reason, people can become very emotional during the sale of a home. This article provides some wonderful insight on handling one of the most difficult parts of a real estate transaction.
Click here for the article How to Negotiate issues after a Home Inspection, written by Bill Gassett, the owner of Maximum Real Estate Exposure and a twenty nine year veteran to the Real Estate industry.
Scheduling inspection appointments with all parties can be time consuming and frustrating. Do you often play phone tag when trying to schedule a home inspection? Or when you reach them you then contact all the parties to find the appointment you selected won't work for someone, only to have to call the home inspector back and start all over again???
With our app you can Immediately Book an inspection with NO information.
Its sooooo easy.
The time slot you select will be reserved and we will follow up with you for all the information. EASY!
(It will ask you for more information, such as the address and client information. You can enter that information or just skip the fields, they are NOT required)
With this app you can also view any inspection we have done for your buyers right there on your phone.
If you would like to have this phone app, simply fill out the form below and we will email you easy installation instructions to your personal phone app account.
Welcome to the blog of our newly launched Hope Home Inspections website. Here we will share information about all sorts of topics, and not just Home Inspection Information. We will have interesting articles on home maintenance, tips for our valued Realtors, home renovation information, and more. Check back frequently so you don't miss anything!
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