External Links Disclaimer
The links provided on this website are offered solely as a convenience to our visitors. Beach House Home Inspections, LLC does not own, operate, control, or endorse third-party websites and is not responsible for the content, accuracy, availability, privacy practices, services, products, or information found on external websites.
By clicking on any external link, you acknowledge that you are leaving the Beach House Home Inspections website and accessing a third-party site at your own discretion and risk. We encourage visitors to review the terms, conditions, and privacy policies of any website they choose to visit.
Beach House Home Inspections, LLC assumes no responsibility or liability for any loss, damage, inconvenience, or issues that may arise from the use of or reliance upon information, products, or services obtained through external links.
Some graphics and visual content featured on this website were created with the assistance of artificial intelligence tools, including ChatGPT, and have been reviewed and customized by Beach House Home Inspections, LLC to support homeowner education and provide general informational content.
which insurance inspection do you need?
FOUR POINT INSPECTION
Unlike a comprehensive home inspection, a four-point inspection focuses exclusively on the systems most commonly evaluated by insurance companies.
The inspection provides documentation regarding the age, condition, and visible deficiencies of the home's major systems.
Roof: The inspection documents the roof covering, estimated age, visible condition, and any observed deficiencies that may affect the home's insurability.
Electrical System: The inspection documents the electrical service, panelboards, wiring methods, and visible deficiencies.
Plumbing System: The inspection documents visible plumbing materials, supply and drain piping, water heaters, and observed leaks.
HVAC System: The inspection documents the heating and cooling equipment, estimated age, and visible condition.
Important Information
A four-point inspection is not a pass-or-fail inspection.
The inspection documents the visible condition of the home's major systems at the time of the inspection.
Insurance underwriting decisions are made solely by the insurance carrier.
Before scheduling a four-point or wind mitigation inspection, we recommend contacting your insurance company to confirm exactly which inspection(s) they require.
If your insurance company requires both a Four-Point and Wind Mitigation Inspection, ask about having them completed at the same time.
Beach House Home Inspections, LLC offers a substantial discount when both inspections are completed during the same appointment, helping you avoid paying for two separate inspection visits.
Your insurance company can confirm which inspection(s) are required for your specific policy.
What Should Homeowners Have Available?
To help us complete the inspection, homeowners should provide any available documentation, including:
- Roofing permits
- Roof replacement documentation
- Electrical permits
- Plumbing permits
- HVAC permits
- Repair invoices
- Manufacturer documentation
Documentation can be extremely helpful when verifying roof replacements, impact-resistant windows, hurricane shutters, and secondary water resistance.
Florida Insurance Inspections for Homeowners
Insurance companies often request additional documentation before issuing a new policy, renewing an existing policy, or verifying a home's condition.
Beach House Home Inspections, LLC provides insurance inspections throughout Emerald Coast, including Destin, Miramar Beach, Fort Walton Beach, Santa Rosa Beach, and surrounding communities.
Wind Mitigation Inspection
A wind mitigation inspection documents specific construction features that may help reduce wind damage during a hurricane.
The inspection documents qualifying features using the current Florida Office of Insurance Regulation Uniform Mitigation Verification Inspection Form.
A wind mitigation inspection evaluates:
Building Code: The inspection documents the applicable building code used during construction.
Wind Design Criteria: The inspection considers the applicable wind design criteria for the property's location. Wind-related hazard and design information may be reviewed using the ASCE Hazard Tool.
Roof Covering: The inspector documents the roof covering type and verifies available documentation, including permit application dates and product approvals.
Roof Shape: The inspection documents the roof shape, which can affect how a structure responds to high-wind conditions.
Roof-to-Wall Connections: The inspection documents the connection between the roof structure and the exterior walls.
Roof Deck Attachment: The inspection documents how the roof deck is attached to the roof framing.
Secondary Water Resistance: The inspection documents whether a qualifying secondary water resistance feature is present beneath the roof covering.
Opening Protection: The inspection evaluates windows, exterior doors, skylights, garage doors, and other openings that may qualify for wind mitigation credits.
Insurance discounts are determined by the insurance carrier and are not guaranteed by Beach House Home Inspections, LLC.