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Welcome to Allview Property Inspections Llc.
Windstorm Mitigation Inspection - Wind Mitigation Certification
We specialize in inspections for the insurance industry(windstorm mitigation inspection/wind mitigation certification , 4-point inspection). Let our professional staff help you lower your windstorm premiums. By simply contacting us, we can determine whether or not you are eligible for discounts that can save you up to 45% off your windstorm insurance.
What is a Windstorm Mitigation Inspection ?
The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain windstorm resistant features inorder to discount your windstorm insurance.
We will document the features present in your home and produce a Windstorm Mitigation Certification for you to use in your request for reduced rates.
Windstorm Mitigation Inspections are available for all single family homes, townhouses, condos and commercial buildings. Home Owner's , Condo Associations also qualify for windstorm mitigation credits. Call to see if a Windstorm Mitigation Inspection would be recommended.
Citizens requires proof which substantiates the existence of the loss mitigation features
displayed in the Commercial Residential Loss Mitigation Credit Tables. All Loss
Mitigation features must be verified for each building utilizing the Citizens Commercial
Mitigation Affidavit (MIT-5). The insured is responsible for the expense associated with
the use of this form or any other costs for substantiating the existence of the mitigation
features.
Why are insurance companies offering the discount?
The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide property insurance discounts for homes that have construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for windstorm damage reduction (mitigation) construction features. The discounts are justified because stronger, more windstorm-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new windstorm insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these windstorm discounts, most insurance companies require a windstorm certification of the key construction features.
Windstorm mitigation inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of single or double roof straps, and the presence of a secondary water resistance barrier.
A homeowner with windstorm insurance can often submit the results of a windstorm mitigation inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable windstorm mitigation features are mandated by State law and can total 45% of the original windstorm policy's premium.
A Windstorm Mitigation Inspection is a valuable inspection service that may reduce your windstorm insurance. Insurance discounts are available for building features that reduce damage during high wind events. The discounts are justified because stronger, more wind-resistive structures have lower windstorm losses, which mean reduced costs to insurance companies. Most existing structures have one or more windstorm resistive construction features and may qualify for some windstorm insurance discounts.
The state of Florida REQUIRES Insurance Companies to offer REDUCED RATES for certain Hurricane (windstorm) resistant features. All Windstorm Mitigation Inspection must be performed by Certified Windstorm Mitigation Inspectors. Uniform Mitigation Verification Inspection Form (OIR-B1-1802) – This form was developed by the Office of Insurance Regulation and must be completed and signed by a Qualified Windstorm Inspector (see below).
QUALIFIED INSPECTORS
• A Florida licensed general, residential or building contractor
• A licensed building inspector
• A registered architect
• An engineer in the State of Florida
• A building code official (who is duly authorized by the State of Florida or its county’s municipalities to verify building code compliance).
Schedule your Windstorm Mitigation Inspection and recieve your WINDSTORM MITIGATION CERTIFICATION upon completion of the inspection.
What qualifies for an Windstorm Mitigation Insurance Discount : existing houses have one or more of these windstorm resistive construction features and may qualify for some insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many windstorm resistive construction features and will likely qualify for significant credits. Call and I will personally address any questions you may have about possible discounts for windstorm mitigation building features your property may have based on the year of construction.
A. Roof coverings, such as shingles that meet the FBC Requirements.
B. Roof decks that have been installed with large nails and close spacing.
C. Hurricane clips/straps that hold the roof structure to the walls.
D. Protection of Openings such as windows and glass doors with impact resistant glazing or other protection systems.
E. Secondary Water Resistance that prevents the roof from leaking if the roof covering is blown off in a windstorm.
F. Newly Constructed Homes built to the Florida Building Code since March 1, 2002
G. Homes built to the South Florida Building Code in Miami-Dade and Broward Counties after 1994.
Please note that insurance companies may have more features that qualify for windstorm mitigation credits such as doors and gable end bracing.
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CITIZENZS DISCOUNTS(click)
CITIZENS INSURANCE APPRAISALS
Due to the recent requirement changes by Citizens Insurance, all commercial insurance recipients are now required to obtain appraisals to determine the replacement costs of all insurable structures for insurance underwriting. These replacement cost appraisals are needed to determine the correct insurable coverage amounts, and must be submitted prior to approval and insurance binding.
Florida insurance replacement cost estimators can be very inaccurate.
Establishing your home’s true replacement value by a state certified appraiser will help you determine if you’re paying too much – and it’s the only way to contest the proposed higher replacement value estimated by insurance companies.
Please call to schedule an appraisal of your property today. If your property has been assessed too high, the cost of the appraisal will be minimal compared to the money you’ll save each year in insurance premiumsThis savings could be added on top of proposed insurance cutsAllview 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
We have extensive knowledge of the underwriting requirements required by Citizens Insurance’s underwriting department. This allows our firm to complete quality reports much quicker than the normal appraisal office.
GET A REPLACEMENT COST APPRAISAL
A replacement cost appraisal can save you hundreds or even thousands of dollars. Citizens Insurance Corp., as well as other insurance companies accept appraisals and they must have been done within the last 12 months. "Replacement cost" is the amount needed to repair the damage or to rebuild the home to its pre-loss condition. For insurance purposes, the replacement cost of a home is NOT the market value of the home, its purchase price or the outstanding amount of any mortgage loan. It does not include the value of the land, but is the cost of rebuilding your home.
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.
Schedule your Windstorm Mitigation Inspection and recieve your WINDSTORM MITIGATION CERTIFICATION upon completion of the inspection.
WINDSTORM MITIGATION CERTIFICATION
Windstorm Mitigation Certification
To qualify for a Windstorm Mitigation Discount and/or rebate on your existing homeowner insurance policy, insurance companies require a licensed building professionals certification of the structure. Our $140 inspection fee will cover all related aspects of the windstorm mitigation inspection and windstorm certification.
Please Note: We work directly with your Insurance Carrier in facilitating all appropriate windstorm mitigation discounts for your property.
Questions and Answers
1) How do I know if I will qualify for a Windstorm Mitigation discount?
Just “Schedule a windstorm mitigation inspection” online or call us at (786)282-9031. I will personally address any questions you may have about possible discounts for windstorm mitigation building features your property may have based on the year of construction.
2) Do I need to have hurricane shutters to qualify for these windstorm discounts?
No. Many other construction features can also qualify.
3) What are you going to inspect and how long does the windstorm mitigation inspection take?
Our certified windstorm Inspectors will only check those items and construction features specifically listed on your insurance carrier’s windstorm mitigation form (nothing else is inspected or reported to the insurance company). The entire inspection will only take 20 minutes at most.windstorm mitigation inspection / windstorm mitigation inspection company / windstorm mitigation inspection company / windstorm mitigation inspection
4) When do I pay you?
We require payment at the time of the windstorm mitigation inspection.
5) Why are insurance companies offering the windstorm discounts?
The state legislation adopted provisions for a new statewide building code (the 2001 Florida Building Code), which became effective on March 1, 2002. The same legislation included a requirement for insurance companies to provide windstorm insurance discounts for homes that have construction features that reduce the losses in windstorms. Each insurance company was required to submit new rates by February 28, 2003 and include discounts for wind damage reduction (mitigation) construction features. The discounts are justified because stronger, more wind-resistive houses have lower windstorm losses, and lower windstorm losses mean reduced costs to insurance companies. The insurance discounts provide some financial incentives for homeowners to strengthen their existing homes and for new construction to be built to the strongest options in the Florida Building Code. These new insurance rate discounts in Florida began to take place in 2003. They apply to both existing construction (houses built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC). To qualify for these discounts, most insurance companies require a windstorm mitigation certification of the key construction features.
6) What construction features qualify for discounts?
The following figure shows typical features that reduce wind damage. Over 90% of existing houses have one or more of these wind resistive construction features and may qualify for some windstorm insurance discounts. In addition, houses built after 1994 in Miami-Dade or Broward Counties and houses built after 2002 in the rest of the state generally have many windstorm resistive construction features and will likely qualify for significant credits.
wind mitigation inspection- windstorm insurance certification - wind inspection
CLICK ON IMAGE
VIEW REPORT- About potential savings a WINDSTORM MITIGATION INSPECTION performed by a qualified WINDSTORM INSPECTOR can reduce your windstorm insurance policy.
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 InspectionsWhat 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.
Insurance Inspection - Storm Damage Certified Inspection
Many homeowners have suffered storm damage, only to have to pay for repairs themselves because it went unnoticed until the home or building sold and a buyer’s inspection was conducted. Insurance adjusters don't find every issue with regard to your property damage claim. Some may not enter your attic, or take the time necessary to conduct a detailed inspection. Having your home inspected by a State of Florida Certified General Contractor qualified in building defects will give you the exact picture of your home to present to your insurance adjuster. Get what you deserve and make sure your home or building is fixed correctly. Windstorm mitigation inspection, and certification. Recieve your wind mitigation certification to get the windstorm discounts- wind mitigation inspection has verified.
Consulting Services
- Open Permits
- Building Code Violations
- Illegal Additions
- Work Without Permts
- Plans and Inspections
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As a State of Florida Certified General Contractor . I can provide the services you need to address the situation with your local building officials. These are very important issues which should be addressed upon notification! Fines will begin to accumulate and the possibility of a lien may be possible . We will consult with local building officials; Provide as-built drawings (as required by a Licensed Architect) ; Perform Certified Inspections by Licensed Trade Professionals ; providing the structure was up -to the bldg. code at time of construction- a certificate of occupancy. Finally , we will represent the home-owner , possibly reducing the fines assessed on the property.
Schedule your- WINDSTORM MITIGATION INSPECTION- Receive your WINDSTORM MITIGATION CETIFICATION upon comletion.
- Certified Windstorm Mitigation Surveyor (04-10230)
- Certified All-Lines Insurance Adjuster (P078305)
- Certified Home Inspector (06101591)
- Certified State General Contractor (CGC-056934)
- FEMA Disaster Inspector (19848)
- Member National Association of Certified Home Inspectors
- Member Society of Field Inspectors
Allview Property Inspections Llc. was founded in 2003 to provide professional services in south-east Florida. We now provide inspections and loss control services. Our business has been successful because we believe that time service and quality are very important to you, our customer. A full service home inspection service offering residential and commerical inspections as well as insurance windstorm mitigation inspections (certification) ,"4 point" inspections, property valuation and appraisals.
Ray Sanchez has been providing the State of Florida professional service since 1993, as a State Certified General Contractor (CGC-056934). Mr. Sanchez is also a Cerified Windstorm Inspector approved by the Florida Department of Financial Services to conduct Windstorm Mitigation Inspections under the My Safe Florida Home Program. As a Certified Home Inspector (#06101591) with the National Association of Certified Home Inspectors (NACHI) I am committed to the highest standards in the industry.
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WIND MITIGATION CONSULTANTS
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WIND MITIGATION INSPECTION/CERTIFICATION
CONTACT ME: ray@allviewinspections.com (786)282-9031
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