Comprehensive Home Inspection
When you hire Sunshine State Home Inspections to inspect your property, you’ve found a partner to help guide you through the process. Many home inspectors don’t invite their clients to be part of the inspection, but we welcome and encourage you to join us while we inspect your property. We know this is a great opportunity for you to understand your new home.
What is included in a Comprehensive Home Inspection?
The primary goal of a home inspector is to protect the buyer's interests by identifying and reporting on the major deficiencies, unsafe or expensive problems that exist in the home. A comprehensive home inspection is an overall, non-invasive analysis of the condition of a home at the time of the inspection. Our inspections adhere to the InterNACHI Residential Standards of Practice.Our home inspectors bring the knowledge and experience you can trust. Once the inspection has been completed, the inspector communicates the findings through a written report.
We comply with the InterNACHI Residential Standards of Practice and will inspect the following areas of your home when safely accessible and visible:
- Foundation, Site Drainage, Vegetation, and Crawlspaces
- Roofs, Vents, Flashing, Gutters, Downspouts, Soffits, and Trim
- Exterior plumbing Shut-offs and Hose Bibs
- Exterior Electric Services, disconnects, and Outlets
- Exterior walkways, driveways, patios, and porches.
- Heating/Cooling (HVAC) System, Flue System, Thermostats, and Ducts
- Interior Electrical Service Panel, Breakers, GFCIs, and Outlets
- Interior plumbing fixtures and faucets
- Attics: Roof Framing, Insulation, and Ventilation
- Skylight, Chimney, Vent Pipes, and any other roof penetrations
- Fireplaces: Hearth and Flue
- Doors and Windows both inside and out
- Garage Doors, Safety Sensors, and Openers
- Built-In Appliances
Single Family Home
- $325 for 2,000 square feet or less
- Additional $50 per additional 1,000 square feet
Wind Mitigation Inspections
A wind mitigation inspection is a type of home inspection with the purpose of determining the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane.
A Wind Mitigation Inspection is a great tool to reduce your overall cost and save you money when it comes to your homeowners insurance. Submitted to your insurance provider, it may result in discounts to your policy to help save money. Most existing homes have one or more construction features that will qualify for windstorm insurance premium discounts.
A Wind Mitigation Inspection verifies the construction details of your home and is used to qualify for discounts on your insurance premium. The better your house is built to withstand Wind Damage, the more discounts you will qualify for each year.
A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida premium discounts for certain favorable wind mitigation features are mandated by State law and can sometimes show savings that up to 45% of the windstorm portion of the original policy's premium.The savings is usually in the form of a check direct from your insurance company within 3-6 weeks and a discount on four subsequent years of your policy. To estimate your wind insurance savings you can go to: http://floridadisaster.org/wisc/
This inspection will consist of the inspector looking for the following 8 key categories listed below.
1. Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes.
2. Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, for example, if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
3. Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the more significant the savings.
4. Roof Geometry: is your roof hip, gable or other? The inspector is looking for how it’s shaped - a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
5. Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
6. Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a plywood-only frame and plastic siding.
7. Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
8. Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings (All or nothing) need to be covered with Hurricane rated protection to qualify for this discount.
Wind Mitigation Inspection $150.00
Four Point Insurance Inspections
With the ever-changing Florida homeowner’s insurance market, most insurance companies require homes over 30 years old to have a Four(4) Point Inspection. Sometimes these inspections are used to determine if they are willing to provide insurance on a home in its current state and/or determine what improvements would need to be made in order to insure the home.
- As of 09/01/12, a 4 point insurance inspection is required by Citizen’s Insurance Company on every home 30 years or older in order to obtain a new insurance policy or renew an existing policy.
- As of September 30, 2012, all four point inspections must be completed by a verifiable Florida-licensed professional.
This type of home inspection consists of a limited visual inspection of four specific areas which include certification of:
- Current electrical condition
- Current plumbing conditions
- Approximate life expectancy of current A/C Unit
- Approximate life expectancy and condition of current roof
A Four Point Insurance Inspection allows you to shop the best prices for your homeowners insurance. Insurance Companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. They are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated.
*It is important to remember that this is a limited visual inspection and does not replace a home inspection, such as for a purchase or sale (listing inspection).
Four Point Inspection $150.00