Insuring Your Property

The four point report explains the condition of the following:

• Roof
• Electrical
• Plumbing 
• Heat (HVAC) 

A four point inspection/report is typically required when obtaining new insurance or renewing a policy. The inspector will take pictures around the outside and inside of the property. Pictures will include the kitchen(s), bathroom(s) and garage.

The wind mitigation report describes how the builder attached the trusses to the house and how the roofer attached the roof to the trusses. This report also examines any other features used to help minimize damage from a "wind storm" aka a hurricane such as a "hip" roof.  The inspector will take pictures around the outside and in the attic. The wind mitigation report is typically used to help realize a discount on insurance.

The roof certification report is typically required when the age of the roof nears the "comfort zone" of an insurance company and they want to ensure the roof still has life left in it. Insurance companies have tightened rules on how old a roof can be and still insure the property.