REAL ESTATE INSPECTIONS
What Is Inspected
There are nine main areas in a house and we check each of those to make sure you aren’t buying a money pit and so you know the condition of what you are buying.
- The Roof. The roof is the number one inspection concern of most home buyers as they are expensive and don’t last forever. We check the permit history so we can tell you how old it is. We check the condition of the tiles, shingles or flat roofs and of course, climb in the attic as that is the best place to identify any leaks.
- The HVAC or air conditioning system. Most houses in south Florida now have central air conditioning. Some can last a long time if they are maintained but the good news is that newer models are far more efficient and can potentially save you a lot of money on your electric bill. We check the difference in temperature of the air going in and coming out of the unit to make sure it is working effectively. We check the coils to make sure they are clean and look for other maintenance issues.
- The Electrical System. A lot of safety improvements have been made over the years as we have moved from knob and tube wiring to aluminum and now to all copper. Breakers have replaced fuses and GFCI and AFCI breakers are now standard in newer homes to minimize the chance of electrical fires and electrocution. You would be surprised how often some homeowner has done electrical work which is not safe, leaving you in possible danger from an electrical fire.
- The Hot Water System. Most hot water tanks in south Florida are electric and now we are seeing tankless hot water systems as well. There are important safety issues that we inspect for, in addition to checking age and condition, and making sure everything is working as it should.
- The Plumbing System. Many different types of piping have been used over the years, including clay, lead, galvanized iron, CPVC, Polybutylene, HDPE Polyethelene, PVC and PEX. We check for proper installation and usage, leaks, proper mounting and that everything works properly.
- The Exterior
A. the exterior wall-covering material, flashing and trim;
B. all exterior doors;
C. adjacent walkways and driveways;
D. stairs, steps, stoops, stairways and ramps;
E. porches, patios, decks, balconies and carports;
F. railings, guards and handrails;
G. the eaves, soffits and fascia;
H. a representative number of windows; and
I. vegetation, surface drainage, retaining walls and grading of the property, when
they may adversely affect the structure due to moisture intrusion.
- Attic, Insulation and Ventilation
Here we check the insulation, a.c. ducts and ventilation to ensure they are adequate and won’t leave you facing an uncomfortable house or stuck with paying an unnecessarily higher electrical bill. We also check to make sure bathroom vents go to the outside instead of into the attic.
- Foundation, Crawlspace & Structure Moisture intrusion is one of the most important items to inspect for. Sometimes it is obvious but other times not so much and we all know how too much moisture can lead to mold problems here in south Florida! Other crucial items are foundation problems – often houses have minor cracks from settling, but how do you know when they are serious?
- Doors, Windows and Interior
A. a representative number of doors and windows by opening and closing them;
B. floors, walls and ceilings;
C. stairs, steps, landings, stairways and ramps;
D. railings, guards and handrails; and
E. garage vehicle doors and the operation of garage vehicle door openers, using
normal operating controls.
Schedule Your Home Inspection
A Wind Mitigation inspection is a way to save big bucks on your insurance premium if your home has certain features that reduce risk of damage or loss in a hurricane. Since 2003 insurance companies in Florida have been required to give insurance discounts on a whole range of items if they are present. Savings of up to 40% are possible!
These are particulary important in south Florida where most homes are in a High Wind Zone Area. Over 90% of homes have one or more features that provide added protection against windstorm and may qualify for some insurance discounts. Moreover, if your house is in Broward or Miami-Dade and was built after Hurricane Andrew (1994) or in other counties after 2002 it will usually have been built with many wind resistive construction features that are likely to qualify you for significant discounts.
In order to get those discounts, you need to have a Wind Mitigation Inspection performed to identify the presence of these features. The following items make your home more resistance to wind storms and may qualify you for discounts:
- Roof coverings such as shingles that meet the FBC requirements. In Broward and Miami-Dade that usually means roofs installed
Credit for a roof installed after 1994
- Shape of roof (hip, gable, flat, etc…).
At least 90% of the roof needs to be hipped.
- Roof decks that have been installed with large nails and close spacing.
- Hurricane clips or straps that attach the roof structure to the walls.
- Protection of openings (windows and doors) with shutters or impact glass.
- Secondary water barrier that prevents the roof from leaking if the roof covering is damaged.
- Home built after 1994 and built to the Florida Building Code in Miami-Dade and Broward Counties
More information available at
For a small inspection fee you may be able to save hundreds or even thousands of dollars a year on your insurance premiums! Call us today.
Schedule Your Home Inspection
The Four Point Insurance Inspection consists of the following four systems:
- HVAC (Heat, Ventilation & Air Conditioning
The inspection and report describes the condition and age of these elements.
Why do I need a four point inspection?
On older homes insurance companies are naturally more concerned about risk. For example, a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may make a claim on their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the air conditioner, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home. Insurance companies want to make these are in good working order and are likely to continue to work with (proper care and maintenance of course). In the case of a roof, insurance companies want to know that the roof is good for at least 3 to 5 years. They are also concerned about obsolete products like polybutylene pipes and Federal Pacific electrical panels which have a history of failing at a greater rate than normal. If you a buying a home more than 20 years old your insurance company will probably ask for one. If you need a 4 Point Inspection done on your home, please call 954-608-3366 or let us know when you are booking your home inspection.
Can I Use My Home Inspection Report for this?
Insurance companies have very specific questions and reporting requirements so Four Point Inspections need to be completed separately and completed by a person qualified to do so.
Ask about our package deals!
Schedule Your Home Inspection
Most home buyers purchase a home without first understanding what it will cost to operate it. Most Americans spend anything from $1500 to $4,000 a year on utilities, especially in Florida where we have to run our air conditioners most of the year. Many homeowners can reduce their utility bills by up to 30% — sizeable savings — from energy improvements.
The Home Energy Inspection will give you a quick understanding of:
• how much a home will cost you to operate once you move in;
• where energy (and, therefore, money) is being wasted in the home; and
• what can be done to save energy and increase your family’s comfort.
The Home Energy Book is included with your Home Energy Report. In addition to the energy-saving recommendations in your Home Energy Report, this companion ebook describes additional ways to save energy, increase comfort, and protect the environment. It also includes do-it-yourself tips to save energy right now, including easy low-cost and no-cost ways to save energy.
If you make energy improvements you can:
- save on your utility bills,
- increasing the comfort of your home,
- reduce your carbon footprint, contributing to a healthier planet.
Yes, I want a home energy report !
Schedule Your Real Estate Inspection
We do real estate inspections in Boca Raton, West Palm Beach, Coral Springs, Coconut Creek, Cooper City, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hollywood, Lauderdale Lakes, Lauderhill, Margate, Miramar, North Lauderdale, Oakland Park, Pompano Beach, Parkland, Pembroke Pines, Plantation, Sunrise, Tamarac, Wilton Manors and Miami-Dade County.