Wind Mitigation

&

Four-Point Inspection

Florida's unique weather conditions, especially the prevalence of hurricanes and severe storms, make wind mitigation and four-point inspections particularly crucial for homeowners.

Many insurance companies offer significant discounts on homeowners' insurance premiums for homes that have approved four point qualifications and wind mitigation features. These discounts can result in substantial savings over time.

Wind Mitigation Inspection

Evaluates a home's ability to withstand high winds and hurricanes, assessing specific building features designed to reduce wind damage.

  1. Roof covering and shape

  2. Roof-deck attachment (spacing and size of nails)

  3. Roof-to-wall connections (Images below)

  4. Impact-resistant windows and doors

  5. Storm shutters and other protective barriers

Four-Point Inspection

The FPI focuses on the four main components of a home: roofing, electrical, plumbing, and HVAC (heating, ventilation, and air conditioning) systems. This inspection is often required for older homes or when obtaining certain types of insurance policies. The inspection helps insurers assess the risk associated with the home, ensuring it meets minimum safety and condition standards.

Scope of FPI

  • Roofing System:

    • Condition and age of the roof

    • Evidence of leaks or damage

  • Electrical System:

    • Condition of the electrical panel and wiring

    • Safety of electrical connections and outlets

  • Plumbing System:

    • Condition and type of plumbing materials

    • Evidence of leaks, water pressure, and drainage issues

  • HVAC System:

    • Age, condition, and maintenance of heating and cooling systems

    • Proper functioning and installation

Knowing the condition of the major systems in your home allows you to make informed decisions about maintenance, repairs, and upgrades.

Benefits:

Both inspections can lead to significant insurance premium reductions, making homeownership more affordable.

  • Property Value and Marketability: Homes with documented safety features and well-maintained systems are more attractive to buyers and can command higher prices.

  • Safety and Resilience: Ensuring your home is equipped to withstand high winds and that critical systems are in good condition enhances safety and reduces the risk of severe damage.

  • Peace of Mind: Knowing your home is safe and properly maintained provides peace of mind and reduces the stress associated with potential future repairs or insurance issues.

Wind mitigation and four-point inspections are vital for protecting your home, ensuring its safety, and maintaining its value in Florida’s challenging climate. That’s why TDL Home Inspection is here to help you through this process. Schedule an Inspection today so you can get the paper work you need to get your home the protection it needs.