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| wind mitigation inspection-wind mitigation certification INSURANCE RESTORATION COSULTANTS -------- INDUSTRY EXPERT
Certified detailed estimate of damages, and ACTUAL MARKET-PRICE COST TO RESTORE INSURED PROPERTY - (ALL COST WILL LICENSED AND STATE LICENSED - CERTIFIED CONTRACTORS IN THEIR RESPECTIVE TRADES, RESTORATION/REPAIRS WILL COPLY WITH BUILDING CODES AND APPROVED PRODUCTS IN PLACE AT TIME OF ESTIMATE. ******* Reflecting actual cost .*********
COMMERCIAL-RESIDENTIAL BUILDING VALUATION
The Citizens Property Insurance Corporation in Florida has adopted an alternative method to validate replacement cost for risks requiring an appraisal for insurance purposes.
Allview Property Inspections meets the requirement for providing building replacement cost valuation. This valuation can be performed on:
condominiums
motels / hotels
office buildings
hospitals
shopping centers
department stores
warehouses
INSURANCE APPRAISAL: Replacement Cost Appraisal
An insurance value appraisal is a current reproduction cost estimate of the insurable physical assets of a property. These assets typically include buildings, structures and site improvements (pools, tennis courts, etc.) as well as contents and equipment.
Is that the same as a real estate appraisal?
No, it is a completely different type of appraisal. A typical real estate appraisal determines market value based on comparables. An insurance value appraisal estimates the current reproduction or replacement costs of the insurable asset. Or in other words, an insurance value appraisal determines what it would cost to replace or rebuild the insurable asset. Land values and market conditions are not part of an insurance value appraisal. Real estate appraisals are used for buying and selling while an insurance value appraisal is for determining insurance coverage amounts.
How do I know if my home is properly insured?
To bring insured values more into line with replacement costs, many insurance companies are requiring brokers to complete new valuations on renewal of homeowner's policies
BENEFIT OF AN INSURANCE APPRAISAL
The benefit to the property owner is that you'll have documented support in the event of a partial or total loss. An independent, supportable insurance appraisal is your key to expediting claims with insurers. The real value to the property owner is that you are paying the proper amount in insurance premiums, neither too much nor too little.
INSURANCE AGENTS, BROKERS, ADVISORS, and COMPANIES:
Correct amount of insurance for placement purposes, proper valuation of varying assets for rate making purposes, and assistance at the time of casualty to prove the amount of loss.
WE APPRAISE
BUILDING:
Industrial complexes, commercial buildings, multi-family residential property, housing developments, hotels, hospitals, schools, and institutional and public property. citizens+roof+verification Roof Verification Documentation For Personal Residential Wind-Only Policies | ATB #001-09 – January 9, 2009 | Citizens wants to make the roof verification process for Personal Residential Wind-Only (PR-W) policies as simple as possible. To achieve this goal, we have reviewed the documentation required to verify roof age and condition for eligibility purposes. In addition, we’ve expanded the list of Florida licensed/registered individuals approved to sign-off on the required documentation to include all of the following: - Roofing Contractor
- Residential Contractor
- General Contractor
- Building Contractor
- Building Inspector
- Architect
- Engineer
- Building Code Official
Acceptable Age/Condition of Roof Documentation Documentation is required for homes over 25 years old with shingle roofing materials, all mobile homes over 25 years old, and homes over 50 years old with other roof coverings. |
4-POINT INSPECTION 
What is a 4 point inspection?
The 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 Inspection
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
 4 pt Inspection = $120
Electrical System
Central A/C & Heating System
Roof
Plumbing Roof Inspection : $90
Windstorm Inspection = $140
Roof Shape
Roof Covering
Secondary Water Resistance
Roof to Wall connection
Roof Deck Attachment
Opening Protection
Combined (4pt + Windstorm Inspection) = $225 Commercial Buildings: call for quote 
My professional qualifications:
State of Florida Certified General Contractor (CGC-056934)
Certified Wind Mitigation Surveyor-- Florida Dept. Financial Services(10230)
Certified All-Lines Insurance Adjuster (P-078305)
Certified Home Inspector (NACHI #06101591)
Certified Disaster Housing Inspector (FEMA- 19842) Member Society of Field Inspectors Member Home Safety Council
Contact us.... for your one time inspection! You may even receive a REFUND Check from your insurance company. Inspection fees are reasonable and you will receive your discount every time you renew your policy. There are inspection fee discounts for multiple property owners and scheduling with a neighbor...so tell a friend!
WINDSTORM MITIGATION INSPECTION-WIND MITIGATION INSPECTION-WIND MITIGATION CERTIFICATION-SHUTTER CERTIFICATION-ROOF INSPECTION WIND MITI4-point inspection,4-point,4-point,4-point,4-point,4-point,insurance inspection,4-point,4-point,4-pointGATION INSPECTIONS (786)282-9031 | |
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