When you own or purchase an older home, rental property, or condo in Florida, you will likely need a 4 point inspection before purchasing a homeowners policy. Most insurance companies will require a 4 point inspection when a home is older than 40 years, or rental property is older than 30 years.
A wind mitigation inspection should be completed, regardless of age, for all single-family homes, townhouses and condos, with the exception of new construction, and are valid for five years from the date of the inspection.
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For those times when you’re purchasing home insurance due to a home purchase, policy expiration, or company change, you’ll most likely need a wind mitigation inspection, 4-point inspection, and/or a roof certification. We offer all three.
Wind Mitigation Inspections
A wind mitigation inspection in Miami, Broward, or Palm Beach will determine if your home has the protective features that are needed to defend against hurricane-level winds. If your home does have these types of features, you may qualify for one or more wind credits under your Florida insurance policy! Our Miami Wind Mitigation inspections can thoroughly evaluate your property and help you determine if you are eligible for these credits!
Are you obtaining a new insurance policy or renewing an existing one? Most insurance companies require a 4-point inspection report before the policy can be written regardless of the age of the home.
Inspection requirements vary between insurance companies, and they can change at any time. As a result, it is important that you check with your insurance provider so you fully understand what is required for your 4-point inspection. Our team is ready to meet all of your home inspection needs. We have experience inspecting thousands of homes!
Ensure your roof is in good condition with our thorough roof inspection Whether you’ve experienced severe weather or are planning to sell your home, a roof inspection is essential. All roofs eventually wear down over time, which is why a regular roof inspection is essential to ensuring the quality of your roof. Most people get their roof inspected when preparing their home for sale, but roofs that are past warranty or have recently been exposed to severe weather should be inspected too. AEC Inspection provides thorough roof inspections and roof certifications to ensure that the structural integrity of your roof is intact. We carefully evaluate all aspects of your roof and identify any areas that need repair or replacement, allowing you to prove your roof is in good condition.
A wind mitigation inspection is usually required by an insurance company to determine the stability of the structure of a home or commercial building in the case of a wind event. Certified inspectors evaluate a building’s potential to withstand high winds based on the following criteria:
Today, many insurance companies are wary of insuring older homes, constantly assessing their level of risk. Older homes simply have a higher probability of becoming an insurance liability to the underwriter. It’s not unusual for homeowners with older homes to experience a failure of a major system and then file for reimbursement under their policy.
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Weather you are buying your dream home, investment property or managing a project contact us for a full property inspection.