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© 2019 Southwest Florida Home Inspection    

Fort Myers, FL 

 

swflhomeinspections@icloud.com

239-994-5810   call or text

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HOME INSPECTION FAQ'S

WHAT IS A HOME INSPECTION?

An inspection will provide you with an unbiased evaluation of the current physical condition of the house or condo, identify potential problems & defects, and can save you thousands of dollars in unexpected repairs.

 

WHY DO I NEED A HOME INSPECTION?

Buying a new home is the biggest investment most people will ever make. And it’s a decision that will affect you for years to come. There’s always considerable risk involved when making such a large purchase decision, but a professional inspection will significantly reduce your risk and help make the entire home buying process easier and less stressful. 

 

WILL MY REAL ESTATE CONTRACT ALLOW FOR AN INSPECTION?

Most Florida real estate contracts allow the buyer the right to a home inspection.  Exercise your rights, schedule a home inspection. 

 

WHAT ARE YOUR SERVICE AREAS?

We provide professional inspection services for single family homes, Condominiums, villas, manufactured homes & mobile homes located in Collier County & Lee County, Florida.

 

WHAT DOES A HOME INSPECTION INCLUDE?

  • Structural components: foundation, walls, trusses, hurricane straps ,etc.

  • Exterior: driveway, walkways, fascia, soffits, flashing, roofing, grading and drainage systems, etc.

  • Electrical: electrical panel, grounding, wiring, outlets, GFCI outlets(ground fault circuit interrupters), sub panels, etc.

  • Plumbing: water supply systems which include all fixtures, faucets and shut offs, water heaters, drain/ waste systems, hose bibs, etc.

  • HVAC: (heating, venting and air conditioning) condensing units (AC), air handlers to include coils, ducting, condensate drain lines, thermostats, etc.

  • Attic: ventilation, moisture intrusion, insulation, trusses and rafters, pest intrusion issues.

  • Appliances: washer dryer as well as water and vent connections, range, cooktop, ventilation, microwave, disposal and dishwasher, etc.

  • Interior: walls, trim,ceilings,cabinets,stairs, railing, etc.

  • We check all interior perimeter walls, around interior windows and doors for the presence of moisture with a “Protmeter” moisture meter.

WHAT IS A FOUR-POINT INSPECTION?

A four point inspection is an insurance inspection that assesses the condition of the following:

 

Electrical - All of the main electrical outlets, the service panel and circuit breakers are inspected and tested to check the load on the system. The age, installation, general condition, service loading, recent adaptions and life expectancy are checked as part of the inspection.

 

Plumbing - The plumbing systems age, installation, general condition, leakages any appliances connected and life expectancy are checked.

 

HVAC System - The HVAC system is checked to determine the age, installation, general condition, running temperatures, ventilator balancing, future service requirements and life expectancy.

 

Roof - The roof is checked to determine the age, installation, general condition, type of building materials used, obstructions and signs of damage or pest entry present.

 

This inspection is designed to identify the condition and estimate the remaining life expectancy of the materials.

 

WHY DO I NEED A FOUR-POINT INSPECTION?

The short answer is to get a new insurance policy or to renew an existing policy. Insurance companies have become cautious in writing Homeowner Insurance Policies and most Florida insurance companies require a four-point inspection before they issue the policy for homes 25 years old and older. A four-point inspection covers the most common elements that result in an insurance claim. The insurance company wants to make sure they do not insure a home that has existing damage or is in poor condition.

 

WHO CAN PERFORM A FLORIDA FOUR-POINT INSPECTION?

 

Beginning September 30, 2012, “all four-point inspections must be inspected by and forms completed by a verifiable Florida-licensed professional. The form will not be accepted without a verifiable, certified inspector’s dated signature.  All of our home inspectors are Florida-licensed professionals.

 

The following professionals may complete a Four-Point Inspection:

  • A home inspector

  • A general, residential, or building contractor

  • A building code inspector

  • A registered architect

  • A professional engineer

  • A building code official who is authorized by the State of Florida to verify building code compliance
     

Note: A licensed single trade contractor may only sign off on their trade component of the 4-Point inspection form.

WHAT IS A WIND MITIGATION INSPECTION?

Wind mitigation is an inspection done to see how much protection against wind damage your home has. Inspections are completed by a qualified wind mitigation inspector. Depending on how your house was constructed will determine how much of an insurance credit you will receive. Insurance discounts in the SW Florida area can range from 10% to 30% depending on the carrier.

 

Wind mitigation inspections are primarily completed during your home inspections or after a new roof is installed. We recommend a wind mitigation if you are looking for the maximum insurance savings possible. You can call your local agent and find out how much savings the roof section on the Wind Mitigation form will save you.

One of the most important things is to use a qualified inspector. The Florida wind mitigation form changes periodically so it’s important to hire someone with the proper training and knowledge.