Insurance Inspection

Four Point Inspection
1. Roof Systems	2. Hvac	3. Electrical	4. Plumbing

A four-point Inspection is often an insurance requirement when obtaining a new homeowners insurance policy or renewing an existing policy, usually on a home near 50 years old or older.

The 4-point insurance inspection includes a limited scope evaluation of the following four systems: (1) Roofing, (2) Electrical System, (3) Heating System, and (4) Plumbing System. The intent of the inspection is to determine the components, age, and general condition of these systems.

Insurance inspection requirements do vary, therefore you should consult with your specific insurance provider concerning any specific requirements.

Note: This type of insurance inspection should not be confused with a "standard home inspection" which is broader in scope in regards to detail and the areas of the home which are covered.

Wind Mitigation Inspection

A Florida Statute requires insurance companies to offer Florida homeowners "discounts, credits, or other rate differentials." for construction techniques that reduce damage and loss in windstorms. We have seen the discounts range anywhere between 15% - 75% off the windstorm portion of a Homeowners Insurance Policy. Each company is different but they ALL offer these discounts.

Even if you are in the middle of a policy term, you will benefit from a wind mitigation inspection. Many of our clients have informed us that they’ve received a check in the mail after having their wind mitigation inspection performed by ARCO Inspection.

There are several items that may qualify for insurance discounts depending upon which insurance company you are with, they are as follows:

• Roof deck attachment
• Secondary water barrier
• Roof covering
• Gable end bracing
• Roof-to-wall connections (Hurricane Straps)
• Opening protection
• Exterior doors, including garage doors

For more information or to book an inspection
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Or call our office at 813-334-5249 or 1-888-474-9017