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We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

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    Statistics show that older homes have more claims than newer ones, usually related to deteriorated components like an older roof or water heater—both of which have the potential for an expensive claim when they start leaking. So when a home becomes 20-years or older your insurer may request that you provide a four point inspection or roof certification report to write a policy for your newly purchased home or to renew a policy. Homes that are less than 50-years old may be insurable without a four point inspection, usually with a company that charges more than one that requires a four point. Once the home is 50-years and older in Florida, a four point inspection is definitely required. Also, some insurers are starting to require four point inspections for older mobile homes. One company is an exception to these guidelines: State Farm now requires a four point inspection to bind insurance for homes of any age in Florida.

    See our blog posts “Why does my homeowner’s insurance want a four point inspection?” and “Why does my homeowner’s insurance want a roof inspection?” to learn more.

    There is also an optional wind mitigation inspection, that checks the storm-resistant features of your home and can get you a discount on the windstorm portion of your homeowners policy. The inspection is not necessary in order to get insurance, but Florida insurers are mandated by law to give your discounts according to the storm-resistant construction details that are documented in the inspection report. See our blog post “Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida?” for more information.

While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
© McGarry and Madsen Inspection

More Blog Posts on Similar Subjects:

  1. How do I get insurance if my home can’t pass a 4-point inspection?

  2. Why did I get no discounts or only a small discount from my wind mitigation inspection?

  3. Is a 4-point inspection strictly pass or fail?

  4. Should I buy a house that needs a new roof?

  5. The seller has to fix everything you find wrong with the house, right?

  6. What are “shiners” and why did they make me lose my insurance discount?

  7. How do I find a good contractor in Gainesville?

  8. Can I do my own home inspection?

  9. What’s the difference between a roof inspection and a roofing estimate?

  10. Are you licensed and insured?

  11. How can I lower my homeowners insurance cost?

  12. Should I be there for the inspection?

  13. How can I prep my house to get a better inspection?

  14. My insurance agent says to get a “Wind Letter.” Can you do that for me?

  15. Should I hire an engineer to inspect the house?

  16. Does the home inspector also check for termites?

  17. Will a house without air conditioning pass a 4 point inspection?

  18. What questions should I ask a home inspector I’m considering hiring?

  19. Should a home inspection scare you?

  20. Can I do my own wind mitigation inspection?

  21. What different types of specialized inspections can I get?

  22. What are the questions a home inspector won’t answer?

  23. What kitchen appliances are required to pass an FHA inspection?

  24. Should I use my realtor’s home inspector or choose one myself?

  25. What is the difference between a clip, single wrap, and double wrap for the wind mitigation form?

  26. When did the first Florida Building Code (FBC) begin and become effective?

  27. Who should pay for the home inspection?

  28. The seller gave me a report from a previous home inspection. Should I use it or get one of my own?

  29. What tips do first-time homebuyers need to know to get a better home inspection?

  30. How is Citizens Property Insurance different from the other Florida homeowners insurance companies?

  31. What are the most Frequently Asked Questions (FAQ) at a home inspection?

  32. Can you do a home inspection in the rain?

  33. Does a home inspector give cost estimates for repairs?

  34. Do home inspectors inspect outbuildings?

  35. Are there any minimum inspection standards that a Florida licensed home inspector must meet?

  36. Can a Florida licensed contractor do home inspections without having a home inspector license?

  37. What inspections does a bank or mortgage lender need for loan approval?

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