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Inspecteur de maison en Floride
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When will I receive the home inspection report?24 hours after the home inspection, you will receive the inspection report by email.
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What to expect from my home inspection report?A home inspection report describes and identifies the systems and components of a property and list any unsafe or non-functioning systems that were visible and apparent at the time of the inspection.
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What will my report look like?Our reports are made using HomeGauge Software services. One of the best home inspector software in the industry. With your HomeGauge dashboard, you can manage your inspection experience all in one place. You can view and sign your agreement online, access your inspection reports, and create a repair list addendum. Your reports will be easy to understand and custom to your needs. In our report, you will find videos and pictures to identify defective items. Each component of the home will be classified into different categories for quick navigation and a repair summary will be provided. If you have any questions after viewing the report, you can call us at any time.
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What is the request CRL list?Once you have viewed your report, you will have access to the innovative "Create Request List (CRL)" feature by HomeGauge. You will be able to create your own repair request list without having to copy and paste every piece of information found in your report. Simply select each deficient components that you would like to include in your request list. And done! By using this online program, buyers and agents are able to save time while still creating a repair addendum.
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Can you tell us how much repairs will cost?Repair cost estimate will no be found inside your inspection report. Home inspectors are not contractors and repair pricing tends to fluctuate depending on the area, the economy, and the company. However, we will gladly recommend contractors to inquire with.
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What is a wood destroying organisms (WDO) inspection?A wood destroying organism’s inspection (WDO) is carried out by an experienced and licensed wood destroying organisms inspector. The primary goal is searching for insects and non-insect organisms that destroy wood. Those insects and organisms work to eliminate or otherwise degrade wooden building components by eating it. Therefore, an inspector will look and search for specific evidence inside and outside of the home and report it’s findings on a standard wood destroying organisms form developed by the Florida Department of Agriculture. If interested, we can arrange this inspection by a third-party service provider.
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What is the WDO inspection cost?The cost for a WDO inspection varies depending on the size of the property, but generally it can cost between $195 and $350. Many pest control companies will waive the termite inspection fee, if you end-up hiring them to exterminate the termites. Therefore, working directly with a pest control company for your homebuyer inspection needs can help you save money in the long run! A pest control company will not only provide you a WDO inspection report, they will also provide treatment options and cost estimates which can then be used as negotiation tactics prior to purchase a property. The tentless treatment starting price is usually around $850 while fumigation can cost around $1600. The price of treatment vary based on the size of the property. Houses with crawlspace access and more than one story will also cost more. Schedule a free evaluation to obtain an accurate price quote by clicking the link below.
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Is a wood destroying organisms inspection (WDO) the same as a termite inspection?While a WDO inspection is sometimes called a “termite inspection”, there is a difference between the two. A termite inspection is specific for the search of termite-specific damages caused by both subterranean termite and dry wood termite species. On the other end, a WDO inspection goes above and beyond. WDO inspectors are looking for all signs of any wood-destroying organism such as; termites, carpenter bees, wood boring beetles, anobiid beetles, bostrichid beetles, powderpost beetles, and carpenter ants.
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What damage can wood destroying organisms do?Termites consume cellulose materials found in wood. Therefore, they damage and deteriorate all wood structural members and components found within a structure. Common signs of WDO and termite infestation include exit holes, fecal pellets, frass, termite wings, mud tubes, galleries, blistering, and general wood decay. Wood destroying organisms can seriously damage the structural components of your home inside crawlspaces, walls, and attic spaces. Repairs and treatments can cost thousands of dollars. Therefore, a WDO inspection is an important part of the home buying process.
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What is a wind mitigation inspection?The purpose of a wind mitigation inspection is to determine the appropriateness of a given structure's construction in the event of strong winds, such as those present in a hurricane. A homeowner with windstorm insurance can often submit the results of this report to their insurer and obtain discounts on their windstorm insurance premium.
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What is a wind mitigation report?It is a document that provides homeowner's insurance discounts. This paperwork has seven (7) different sections that allows for seven (7) different discounts. After the wind mitigation inspection, you can ask your inspector to send this document to your insurance agent for a reduction in your homeowner's insurance premium.
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What is the wind mitigation inspection cost?In Florida, wind mitigation inspection prices vary by location and property size. For a single family home, most reputable home inspection companies charge around $150 to $250. In this industry, you get what you pay for. Inspections performed by an experienced and licensed home inspector will cost more. Inspections performed by non licensed individuals and newer inspection companies with less experience will be cheaper. It all comes down to knowledge and expertise. Florida Wisdom Home Inspections specializes in wind mitigation inspections. We have years of experience and provide support before, during, and after the inspection. We will take the time to explain how your wind mitigation report will affect your insurance rate and how you can improve it to reduce your insurance premium. We take the time to help our clients in the best of our abilities and have multiple referral sources to assist you in making building improvements.
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Which areas do you service?We are servicing Martin, Palm Beach, and Broward Counties.
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Why did I lose my insurance credits?Multiple factors come into play. I recommend you to read our article "wind mitigation improvement tips for homeowners" to learn more.
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Which professionals are qualified to perform a wind mitigation inspection?Wind mitigation inspections should be performed by a licensed home inspector. Although residential contractors are authorized to complete the form, it is not recommended to hire those individuals. Home inspectors specialize in home inspections. They have passed the state exam, they carry liability insurance, and have knowledge regarding all of the home's systems. Home inspectors are required to take yearly continuing education courses (including wind mitigation training) to keep their license active. Please research your home inspector license prior to hire. Florida Wisdom Home Inspections is certified, licensed, and insured. Rest assured that you will be in good hands.
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How long is my wind mitigation inspection valid for?The wind mitigation report is valid for five (5) years. When you think about it, you pay for the wind mitigation inspection up front, but you save money on your homeowner's insurance premium every year for five years. This windstorm mitigation inspection is well worth it! If major home improvements or upgrades have been made to the home's structure within those 5 years, it is recommended that you perform this inspection again, since additional discounts may apply.
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How much money can you save with a wind mitigation inspection?As with most things insurance-related, there’s no way to know for sure. That depends on where you live and your home’s features. Savings can range from none to a few hundred dollars to over $1,000. Wind mitigation savings are most substantial in Florida because the state requires insurers to offer these discounts. The cost of a wind mitigation inspection is usually more than offset by the insurance savings. It is extremely rare for no credits to be earned. Without a wind mitigation inspection, your insurer assumes that your home has the least wind-resistant features available. Notifying them that you have at least a few will require them to offer a discount.
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What is a 4 point inspection?A 4-point inspection is an examination of the current condition of a house reviewing four major systems: roofing, electrical, plumbing and HVAC (Heating, ventilation, and air conditioning). This specific inspection might be requested by homeowners insurance companies before someone can renew or be eligible for their desired coverage plan, especially on a home that is more than 15 years old. It allows insurers to determine how much risk they would take by offering you a home insurance policy and how much to charge you.
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What is the 4 point inspection cost?The starting price for our 4 point inspection is $250. The price varies based on the size and the location of the property. In this industry, you get what you pay for. Inspections performed by an experienced and licensed home inspector will cost more. Inspections performed by non licensed individuals and newer inspection companies with less experience will be cheaper. It all comes down to knowledge and expertise. Florida Wisdom Home Inspections specializes in insurance inspections. We have years of experience and provide support before, during, and after the inspection. We will take the time to explain how the result of the inspection will affect your home's insurability, and we will help you in making repairs until your home is fully insurable if needed.
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Which areas do you service?We are servicing Martin, Palm Beach, and Broward Counties.
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Will my 4 point inspection lower my home owner insurance premium?No. This inspection simply determines whether an insurance company will offer insurance on your home. A wind mitigation inspection report is what helps reduce the cost of homeowner's insurance.
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Are 4 point inspections required when you purchase a home?Not all insurance carrier requires this inspection. However, if you purchase an older home it might be needed. Ask your homeowner's insurance agent prior to closing. It is always a good idea to perform the 4 point inspection in conjunction with your homebuyer inspection.
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Is a 4 point inspection and a residential home inspection the same?Yes, absolutely! However, the 4 point inspection is NOT an inspection of all components of the home and does NOT determine the overall condition of a property. That document is really limited and is for insurance purposes ONLY. If you are interested in knowing the condition of a property prior to purchase, we suggest booking a homebuyer inspection as well.
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Can you get insurance if your home does not pass a 4 point inspection?Yes and no. There are insurance companies that will offer insurance, but they might exclude coverage for the problematic system(s). Often, the only way to get insurance on a home with problematic systems is to accept damage exclusion. Other times, you might not be able to purchase homeowners insurance until necessary repairs have been made. Don't worry, we are here for you. We will help and guide you during repairs until your home is fully insurable. Since this type of inspection helps homebuyers determine if the prospective property is insurable "as is", providing this report to an insurance agent PIOR TO CLOSING is crucial. A house might fail a 4-point inspection for defects such as leaking water pipes or damaged roof covering material. If you're not interested in making the repairs yourself, you may ask the seller to make repairs or request a reduction of the sale price to hire a professional. This report is an excellent negotiation tool, especially if the property cannot be insured nor be purchased until repairs have been performed.
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Can I give my residential home inspection report to my insurance company?You can provide the homebuyer inspection report in lieu of a 4 point report to your insurance agent. However, we strongly recommend that you don't do this, since it might negatively affect their decision in regards to insuring your property. It is better to provide a 4 point form rather than the entire homebuyer inspection report. Often, the homebuyer report will list other major issues, so sending this instead may result in making your property "non-insurable". The 4 point form is specific to what insurance companies need to know. Both reports are completely different.
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Does the inspector needs to re-inspect after repairs have been completed?Yes, in some cases you may have to. For example, after performing the four-point inspection (insurance inspection), if any of your home's system are "unsatisfactory", you may have to perform repairs before your home can be insured. Therefore, once repairs have been completed, the inspector can re-inspect the previous defective items and take new pictures OR you can provide repair pictures and invoices by email as proof of repairs. Once we have received appropriate documentation and pictures, we will be modify your insurance report to reflect those corrections.
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What is a pre-listing inspection?A pre-listing inspection informs the seller of any defects or problems, so that they can be addressed before prospective buyers discover them. Sellers can then take the time to obtain reasonable repair estimates to address defects, so that they don’t become obstacles later. A seller inspection is also a demonstration to prospective buyers that the seller is dealing in good faith and is interested in providing full disclosure as to the home’s condition, including repairs already performed as a result of an earlier seller inspection. It has the added advantage of helping the seller obtain his asking price.
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Why should I not hire the cheapest company out there?The advice I would give to anyone looking to hire a home inspector is; do not price shop for the lowest inspection price. In this industry, you get what you pay for. An inspector, who is not getting paid enough, may cut corners, provides poor work, and can ultimately cost you thousands of dollars in the long run.
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How do I know which inspectors are qualified for the job?Whenever you are calling a home inspection company for a quote, be sure to ask them what home inspector organizations they belong to. InterNACHI is known to be the world's leading association for home inspector. Make sure your home inspector is licensed in the state of Florida and make sure their license number is active. You can also explore their websites and google reviews. Visit our "About page" to view our credentials.
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