Four-4 -Point Insurance Inspection
The (4) Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After last year's barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowner's insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high-risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses. Citizens operates under the direction of a seven-member Board of Governors, appointed by the State Treasurer for three-year terms, representing geographically diverse regions of the state. The State Treasurer also appoints a technical advisory board to provide information and advice to the Board of Governors.
The Four Point Insurance Inspection consists of the following four systems: Roof inspection , Electrical Inspection , HVAC (Heat, Ventilation & Air Conditioning ), Plumbing
The insurance companies 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. In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill the form out during the course of the home inspection. In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier.
Questions and Answers on 4 Point Inspections
What are they looking for in these four point insurance inspection reports ?
They are generally looking for most systems in the four point inspection to have been updated to current standards and are in good condition. The four point inspection is a tool for them to evaluate your homes condition on the fourpoints.
Who can perform this 4 point inspection ? Can I Fill out the paper work myself?
The Insurance Companies prefer to use certified Inspectors to complete the four point insurance inspection. That they are able to provide a professional opinion to the four areas inspected. A home owner can not fill out the four point inspection form themselves.
Can I not comply with this four point inspection type of request?
We have heard reports of hardships maintaining coverage and or acquiring new insurance due to the four point inspection. Some Insurance providers in Florida and other States will not cover you anymore without the four point inspection.
I am buying a home. Can I use this as a less expensive pre purchase home inspection?
No. This Four Point Inspection is not intended for use as a pre sale or pre purchase comprehensive inspection. As it is geared for your insurance needs, The Four Point Inspection will not contain the type of information you may need to make an informed decision for purchase.
Did you know that not all inspectors are not created equal. Not all inspectors can "sign-off" on the your four-point inspection. Make sure that your inspector can and that it will be accepted by the insurance company.
(786)282-9031
Inspection Requirements
If an inspection was not personally performed by the appropriate professional or the license or membership information cannot be verified, the documentation may be declared invalid.
It is important for agents to carefully review all documentation to ensure compliance with Citizens’ eligibility requirements prior to submission to Citizens. For example, if an inspection shows defects in any component, agents should advise the applicant that the risk may be ineligible for binding (and possibly ineligible for coverage) until the appropriate corrections have been made.
Agents who knowingly bind coverage with documentation that clearly indicates an inadequate, unsafe or hazardous condition is present are subject to disciplinary action which could result in suspension and/or termination of their appointment with Citizens.
Citizens will accept documentation to verify the components of a Personal and/or a Commercial Residential risk from the following professional sources:
For building services (e.g., four-point inspections):
• A Florida licensed general or building contractor
• A Florida licensed building inspector
• A Florida licensed architect
• A Florida licensed engineer
• A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance)
• A Florida licensed electrician (electrical components only)
• A member of the American Society of Home Inspectors (ASHI)
• A member of the Florida Association of Building Inspectors (FABI)
• A member of the National Association of Certified Home Inspectors (NACHI)
For wind mitigation features:
o A Florida licensed general or building contractor
o A Florida licensed building inspector
o A Florida licensed architect
o A , a licensed engineer
o A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance)
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Four Point Inspection insurance. Four Point Inspection, Citizens Four Point Insurance Inspection, four point insurance inspection, qualified insurance inspector, Certified Inspector,
SCHEDULE YOUR INSPECTION: (786) 282-9031
Four Point Inspection insurance. Four Point Inspection, Citizens Four Point Insurance Inspection, four point insurance inspection, qualified insurance inspector, Certified Inspector,
Four Point Inspection insurance. Four Point Inspection, Citizens Four Point Insurance Inspection, four point insurance inspection, qualified insurance inspector, Certified Inspector, Four Point Inspection insurance. Four Point Inspection, Citizens Four Point Insurance Inspection, four point insurance inspection, qualified insurance inspector, Certified Inspector,