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Building Code Inspection
As licensed Building Code Inspectors, we are qualified to do all of the major building inspections types. We perform building inspections during all phases of the building lifecycle.
We can inspect a commercial or residential building during the construction phase, we inspect property prior to the it being listed "For Sale", we perform them during the sale on the buyers behalf, and we perform 4-point & Wind Mitigation inspections after the sale for the property owner & their insurance company.
When inspecting a home it is important to understand what should be inspected and why. Our extensive experience has brought us a great deal of opportunity to gain first-hand experience that department. As a result our inspections are very thorough and provide comfort to our clients.
Commonly inspected items:
- Doors & Windows
- Driveway & Sidewalks
- Exterior Walls
- HVAC (Heating & A/C)
- Interior Components
- Interior Rooms
- Kitchen & Appliances
- Roof & Roof Covering
- Siding & Trim
- Smoke Detectors
- Water Heater
Do I need a Roof Inspection?
Wind Mitigation - The implementation of certain building techniques in order to limit damage caused by wind.InterNACHI
Essentially, a wind mitigation inspection is an objective and unbiased examination of various aspects of a physical structure and it's systems, from the foundation to the roof, to determine if the strucutre is utilizing wind mitigating features.
In Florida, we live the coastal dream. Along with this amazing position comes the likelihood of hurricanes and other high-wind producing storms. These winds can cause unbelievable damage to a building. As a result many insurance companies offer a premium discount to property owners that have these mitigating features.
When it comes to wind mitigation discounts each state has different rules. In Florida these are the primary focus areas:
In 2001 Florida updated the construction code. As part of the inspection, inspectors will find out when the roof was installed.
This is to verify that the roof was built to the updated building code.
Not only will the inspector determine what type of decking material was used in construction; they will also verify what type of attachment material was used (e.g., staple, nail). They will also determine what length was used and the spacing between them.
The inspector will verify the type of attachment materials that were used to connect the trusses to the walls. Older standards used nails to attach the trusses. The newer standards require hurricane straps.
Some folks even double hurricane strap their trusses because the more secure your roof, the lower the impact on your budget.
This is one of the easiest discounts to get. If you have a hip roof then you will get the discount. If you don't, then you won't.
A hip roof is a roof that has a pyramid type shape.
For those with a Gable roof there is still hope. The inspector will verify that the gable ends are braced per Florida Building Code standards.
Gables standing taller than 48" tall should be braced and/or re-inforced.
The inspector will review the construction of your walls. They will determine what type of material was used for the framing of and reinforcement of your walls. They will also check outer fascia and determine at what levels each material is used.
A home that is plywood frame with plastic siding is likely to cost more in premiums than a home that has steel-reinforced concrete walls.
This is a new process for roofs that started in 2008. If you roof is older than that, you will not likely have this feature.
Photo documentation is a minimum requirement for this item.
This is protection from flying debris that is typical during high wind storms. This protection is checked for around doors and windows.
Doors & windows with special ratings as well as hurrican shutters, can open these discounts up to you but only if 100% of openings are upgraded.
Wind Mitigation Inspection
Do I Need a Wind Mitigation Inspection?
Here are a few common reasons people need "wind mit" inspections:
- Buying Real Estate
- New Insurance Requirement
- Insurance Premium Reduction
- Selling Real Estate
A wind mitigation inspection Also known as “windstorm inspections” is an examination of a home’s existing safety features that make it more secure and less likely to be damaged during storms. During a wind mitigation inspection, a licensed general contractor, architect, engineer, building inspector, or home inspector examines the house to determine its ability (or lack of ability) to withstand heavy winds. This quick process can help you prepare for hurricane season as well as provide substantial discounts on your home insurance premiums.
If you’ve owned a home in Central Florida for more than a few years, your insurance agent might have suggested that you should get a wind mitigation inspection or asked to see a wind mitigation inspection form.
Hurricane season lasts from June 1st to November 30th but even one storm could carry enough wind to damage your home. If your home is hit and you have not done a wind mitigation inspection for years, you could be dealing with a lot of property damage that could have been avoided, if only you knew what to repair.
For home insurance companies, there is measurably less risk involved in insuring homes that have taken more precautions, so they offer hefty discounts for those who can report their wind mitigation.
Florida law states that property insurance companies must give discounts on homeowners premiums when they have received a certified wind mitigation inspection report and your discount will be based on the risk rating your home receives during the inspection. If you have recently replaced your roof, the new roof is up to the most recent code and will most likely qualify for additional credits.
To receive these credits or discounts, your wind mitigation inspection report must be less than five years old, even if your home’s characteristics have not changed. Check with your insurance agent if you are unsure of whether your wind mitigation report is about to expire.
The inspector can also give you advice for items that either need to be brought up to code or other wind mitigation features you can install to increase your discount next time. When it comes to protecting your home against damage, ignorance is not bliss.
The great news is that your premium will never go up because of an inspection, it can only go down. There is no risk in getting a wind mitigation inspection: you either get a hefty insurance discount or you have valuable knowledge for protecting your home against the next hurricane.
Even though a wind mitigation inspection in Florida is optional, there is no reason not to get one.
When it comes to dealing with storms, your home should be one of the safest locations for you and your family. Living in Florida means that you never know when the next big thunderstorm or hurricane will hit.
Take the appropriate steps to protect your home and save money along the way.
If you are interested in finding out how much money you could save on your home insurance policy or want to see where your house could use some wind reinforcement, contact us to set up your inspection today.
Certified Building Code Inspector # 5503
Certified General Contractor # 1523654
Certified Home Inspector # HI 1802