INSURANCE INSPECTIONS (4 Point and Wind Mitigation)

The Four Point Inspection, also known as the "insurance inspection", was created after Hurricane Andrew hit Florida in 1992.  This inspection is performed for insurance companies and is usually a requirement by the insurer for a new homeowner of an older home.  
 

The 4 Point Inspection includes reporting on only four of the home's key systems:

· Roof Inspection

· Electrical Inspection

· HVAC (Heat, Ventilation, & Air Conditioning) Inspection

· ​Plumbing Inspection

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Insurance companies require that the condition of the four components listed above, be working as intended and within the manufacturer's specifications.  They require documentation of all of the above components, their condition, and if any have been updated. We work regularly with homeowners insurance companies in St. Augustine, Jacksonville and surrounding areas. Call us to schedule your inspection today!

Florida insurance companies are required to offer homeowners discounted rates for homes that have particular hurricane resistant features.  These discounts are not automatically credited to you when you purchase your homeowner’s policy.

It is necessary to have an inspection and to ask your insurance company for the discount. It is critical to document that your home was built to these standards by having it inspected by a Certified Professional Home Inspector or a qualified contractor.  Many existing homes already have some of the key features that may qualify for discounts on insurance premiums.

Wind Mitigation Inspections are a great investment and offer a great potential ROI.  Homeowners can possibly save up to 40% on their insurance premiums, making it well worth the cost of the inspection. 

Wind Mitigation Inspections can be a confusing topic. That's why we work with local insurance companies in St Augustine, Jacksonville and surrounding areas to help you understand your options! We're happy that our customers feel comfortable coming back when their homes need additional insurance inspections. Schedule an inspection by calling us today!
 

Island Home Inspectors partners with engineers to ensure that home foundations are in compliance with HUD/FHA, VA, and Conventional Lending requirements and other national standards.

We perform On-site Inspections and provide Engineering Foundation Certifications for the Mobile Home industry to ensure conformance to federal government regulations for mortgage lenders, loan officers, real estate agents, insurance agents, and homeowners.

 If the manufactured (mobile) home foundation is in conformance with governing HUD/FHA, VA, and Conventional Lending standards, an Engineer’s Foundation Certification will be issued.

In addition to issuing engineering foundation certificates,  the engineers design a retrofit for an existing non-compliant mobile home foundation, or engineer a custom foundation design for installation of new manufactured home directly from the manufacturer.

We're your number one resource for Foundation Certifications in St. Augustine, Jacksonville and the surrounding areas! If you need help with your mobile home or just want a consultation on what's best to do next then give us call today.