Two types of insurance inspections are becoming more and more important in Florida. Obtaining homeowners insurance almost always requires an acceptable Four-Point Inspection (Roof, Electric, Heating & AC, and Plumbing).
Since the huge losses from Hurricane Andrew and the eight storms of 2004 and 2005, the insurance industry has used Wind Mitigation Inspections to determine windstorm rates for dwellings. These inspection reports can make a difference of hundreds to thousands of dollars in premiums paid by homeowners and are required by virtually every insurer.
Florida licensed home inspectors are qualified to prepare each of these inspection reports with some additional qualifications and training required.
For the Four-point inspection, inspectors should be familiar with guidelines issued by the insurance industry regarding "uninsurable conditions", "life expectancies of components", what constitutes an "Upgrade", and other underwriting generalities.
Wind Mitigation Inspections can be completed by licensed home inspectors who have completed a specialized training course approved by the Contract Industry Licensing Board (CILB). The Home Inspection Academy offers "Performing Inspections And Preparing The OIR-1802 Uniform Mitigation Verification Form" (CILB approved course #0609796). The course is 3 hours and is offered on Fridays preceeding quarterly FABI conferences, is included in the Home Inspection Academy 120 hour Home Inspector Pre-license course, and based on demand, presented at other times during the year. If you are interested in attending this training please contact us to find specific dates and locations
