Did you know that if you buy a home in Florida that many insurance companies require that you have a specialized inspection on your property before they will extend any insurance coverage on it?
As a homebuyer, in Florida, it’s easy to confuse an insurance inspection with a typical home inspection. Let’s learn the difference. A home inspection is needed for a homebuyer because it gives a detailed report and professional evaluation of the entire property you want to buy.
A professional home inspection provides the details needed to help make an informed decision when it comes to buying a property.
There are a few different types of insurance inspections and each cover various areas of the home. Take a look at the different types available.
Firstly, a four point inspection covers the roof, plumbing system, HVAC, and electrical systems all are inspected.
Secondly, wind mitigation test, the homes wind resistant features will all be tested. The roof, windows, gable ends, and wind shutters reviewed, and the completed report is sent to the insurance agency. The Insurance Company then calculates any available discounts and lowers the home insurance premium.
Thirdly, a roof certification is needed for any insurance coverage to be considered on that property over a certain age. The roof will be professionally checked for leaks, damage, and other faults may need fixed before the insurance company considers covering the structure.
These three insurance inspection examples are not always required, and not always included in a pre-purchase inspection. They are more specialized skills and can come as part of specialist service offered by a local home inspection company.
If you need help with any type of home inspection or specialized inspection, Click Here to browse our inspection services and what is included in each service.
