Inspection Services

Wind Mitigation Inspection

Wind Mitigation Inspections
IMPORTANT! How to be best prepared for your Wind Mitigation Inspection services, being prepared for your inspection may save you hundreds. Please read carefully.

 

  1. Be sure your attic access is accessible! Please clear a path for the inspector.
  2. Make sure you have a roof permit or a paid invoice of your new roof (detailing installation features such as nailing and a self adhering membrane also known as peel and stick or SWR).
  3. If you are working to get a credit for hurricane shutters you MUST have ALL openings protected this includes SKY LIGHTS, WINDOWS, DOORS, GLASS BLOCK AND GARAGE DOOR. Protected items MUST be clearly marked as having some type of Large Missile Impact rating or a Miami / Dade product or documented as such with a paid invoice.

Still not sure if you have what you need? Call us we will be happy to further assist you. 239-340-0375

A Handy Home Inspector has been performing Wind Mitigation, 4-Point Inspections, and Roof Certifications for over 5 years. We can determine whether or not you are eligible for Wind Mitigation discounts that can potentially save you up to 45% off your homeowners insurance.

That’s a Savings on average of $800 per year!
What is a Wind Mitigation Inspection? A Wind Mitigation Inspection is a valuable inspection service that reduces your homeowners insurance. Discounts are available for building features that reduce damage during high-wind events.Wind Mitigation discounts are justified because stronger, more wind-resistant structures have lower windstorm losses, which mean reduced costs to insurance companies.

Does My Home Qualify?

Many existing houses have one or more of these Wind Mitigation construction features that qualify for significant discounts such as hip roofs and roofs installed after 2001.
Below are additional features reducing insurance costs…

  • Roof coverings, such as shingles that meet the Florida Building Code requirements.
  • Roof decks that have been installed with large nails and close spacing.
  • Hurricane clips/straps that hold the roof structure to the walls.
  • Protection of openings such as windows and glass doors with impact resistant glazing or hurricane shutters.
  • Secondary water resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.
  • Newly constructed homes built to the Florida Building Code since March 1, 2002.
  • Homes built to the Florida Building Code in Lee County after 1994.
Wind Mitigation

4 Point Inspection

IMPORTANT! How to be best prepared for your 4 Point Inspection services. Upon seeing photos call us with any concerns and we will be happy to assist you with questions 239-340-0375.

  1. Please be sure these components are accessible please clear a path for the inspector for electrical panel, water heater and attic access.
  2. Do you have any receipts or permits for updates to PLUMBING, AIR CONDITIONING, ELECTRICAL OR ROOFING. Please have this information available as it will definitely help you.

Why do I need a four point inspection?

Insurance companies have become reluctant to issue Insurance on older homes typically 25 years old or older.

Their concern is that there may be conditions in an older home that could lead to a liability for them. For example; a home with a roof nearing the end of its life expectancy may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home. The same applies to the condition of the HVAC, electrical and plumbing systems in an older home.

Most homeowners take pride in ownership and are thankful to be made aware of deficiencies which could lead to fire or water damage.

Examples of notable deficiencies:

  1. PLUMBING – Leaking plumbing, cast iron plumbing, polybutylene piping or grey piping.
  2. ELECTRICAL – Loose wiring (typically found in attics) electrical hazards such as leaking weather heads, double wiring or improper wiring in service panel, the absence of ground wires, and hazardous panels (Zinsco, Federal Pacific Stab Lok panels).
  3. HVAC (air conditioning and heating) – Window units are typically of concern if you have them be sure to let your agent know so they may further instruct you.
  4. ROOFING – loose, missing or deteriorated roofing may be considered non insurable. Life expectancy on 3 tab shingle roof is 20 years, dimensional roofing 25 years and metal 35-50 years. The underwriters require a minimum of 4 years life expectancy at which point the roof will be insurable for 1 more year as the cut off in life expectancy is 3 years.

SEE ADDITIONAL PHOTOS ABOVE AS A GUIDE

Roof Certification Inspection

IMPORTANT! How to be best prepared for your Roof Certification inspection services. Upon seeing photos call us with any concerns and we will be happy to assist you with questions 239-340-0375.

  1. Do you have any receipts or permits for updates to ROOFING. Please have this information available as it will definitely help you.
  2. Do you own a mobile home with a metal or rubber membrane roof that you have maintained regularly. Pressure washing or re sealing is often good practice prior to inspection this is not mandated however a roof that shows well does better on the inspection.

Why do I need a Roof Certification?

Many underwriters require a documented permit to confirm that your roof is in good standing or when the roof becomes 15 years or older the underwriter wants to confirm the roof is in good shape. The roof certification is often required when renewing or switching insurances.

Examples of notable deficiencies

  1. ROOFING – loose, missing or deteriorated roofing may be considered non insurable. Life expectancy on 3 tab shingle roof is 20 years, dimensional roofing 25 years and metal 35-50 years. The underwriters require a minimum of 4 years life expectancy at which point the roof will be insurable for 1 more year as the cut off in life expectancy is 3 years.

SEE ADDITIONAL PHOTOS ABOVE AS A GUIDE

Additional Inspection Services

Chinese Drywall – Visual Included

Chinese Drywall visual inspection services- Included at no extra charge with a regular Home Inspection

We will identify features such as drywall dates, blackening of copper, and foul odors associated with toxic drywall should they exist or not. This information will be documented in your report however is not to be considered a test or sampling for Chinese Drywall.
Testing – Testing information may be obtained at here or call 1-866-446-7717, testing requires core sampling and is destructive in nature.

Radon

Radon is a cancer causing gas radioactive gas. You can not see, smell or taste Radon but it may be a problem in your home. For more information visit https://www.epa.gov/radon/pubs/hmbyguid.html.

Although many maps indicate a low probability of Radon we have attached the above link so that you may make an informed decision.

If you choose to have a Radon test performed testing equipment is small, noiseless and unobtrusive however is required to collect data for 48 hours.

WDO – Wood Destroying Organisms

Most FHA and VA loans require a WDO Inspection and report, be sure to confirm with your lender. Upon completion of the inspection a written report will be made available.

Septic tank Inspection

The septic tank inspection will also include clean out of tank.

Water Quality (TDS) Testing – Total Disolved Solids

Made available by a professional water treatment company, should you have your water tested visit this link. Call 239-340-0375 for pricing and availability.

Mold and Indoor Air Quality

A typical residential mold inspection consists of:

  • Air samples taken to be sent to a lab to detect whether mold is present in the air.
  • Swab samples taken of visible mold to be analyzed by a lab to detect what type of mold is present.
  • A written report will be provided to inform you of all findings during the visual inspection.
  • A report will also be provided to inform you of the findings of our mold/ air quality testing.

Pool and Spa Inspection – Visual or Comprehensive

An inspection of accessible pool components for obvious deficiencies such as leaking pumps, broken pipes, chipped or cracked pool decks is included with the inspection for a $25 fee. This is a visual inspection and will not identify leaks in pools, temperature or pressure issues.

Some of today’s pools are highly sophisticated so we recommend having a pool service company either maintain or go through equipment with you. An additional comprehensive inspection will include leak detection, testing of saltwater equipment, pumps, pressures, filters and water condition. These services are often discounted with yearly contracts via the pool inspection company.

Infrared / Thermography inspection services

FREE!

Thermal Inspection when you book online!

Infrared / Thermal Imaging
A Handy Home Inspector

Contact Us

Office: (239) 997-6700
Cell: (239) 340-0375
Email: bob@ahandyhi.com

Cape Coral, Florida
Also Serving Lee, Collier, Charlotte and Sarasota Counties

Association of Construction Industry Certified Professionals Home Inspection
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