Gainesville Florida Home Inspection

Gainesville Florida Home Inspection

Gainesville 352-372-1221

Ocala 352-622-5277

4-Point Inspection Service

Gainesville Florida Home Inspection. Gainesville Restoration and Remodeling is a State Certified Contractor in both Building and Roofing.

License Numbers:

CRC 1327956 – State Certified Builder

CCC 1326022 – State Certified Roofer

Therefore, we have knowledge and experience about residential home structures. As well as how to protect your most valuable asset and most importantly; how to keep you safe! We document everything in a written report complete with photos that we email to the homeowner for just $125.00. In addition, we will fill out your insurance carriers form for you; or we have our own thorough written form accepted by most insurance carriers.

Gainesville Florida Home Inspection

Specifically, a “Four-Point Inspection” consist of the 4 main components insurance carriers use to rate a policy. Moreover, the 4-point inspection satisfies the insurance carrier for obtaining homeowner’s insurance; for the most competitive policy rate. Furthermore, insurance companies do not want to insure houses with existing damage or houses in poor condition.  We check the following with a written proposal of the condition to submit to the insurance carrier.

The inspection and report will reflect the age and condition of these areas of a home.

  • Roof – Type, condition, estimated useful life.
  • Plumbing –  Visual inspections under sinks, shutoff valves, water heater, any leaks detected.
  • Electrical – Electric panel box inspection for brand, exposed wiring, types of breakers.
  • HVAC (Heating, Ventilation, and Air Conditioning) – Visual inspection for secure connections around plenum connected to air handler; age and overall condition of unit.

Gainesville Florida Home Inspection

Do I need a four-point inspection?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).  When purchasing a new home, renewing an existing policy, or changing insurance carriers; a 4-point inspection is usually a requirement.

Because their concern is that there may be issues in an older home that could become a liability to them. For example; a home with an older roof may fail during the life of the policy. So, this will result in the homeowner seeking reimbursement for damages to the home or its contents. Also, similar concerns exist with the condition of the HVAC, electrical and plumbing systems in an older home. Therefore, if these systems are in need of being updated or replaced or were improperly installed; they may fail and cause fire or water damage to a home.

How will my 4-point affect my rates- standard forms?

If issues exist that are of concern; our inspector will let you know right away so you are able to make repairs. Though the inspection is visual, in most cases. Also, our 4-point is a helpful tool to keep the homeowner from getting any potential surprises; such as a leaky roof, or rusty water heater.

Because your rates will be determined by the insurance carrier; the inspection form submitted will allow underwriting to determine the risk of the dwelling.

Can I fill out the form myself?

Insurance companies want these forms filled out by Certified State Licensed individuals such as; a licensed Professional Engineer, Electrician, Building Contractor or Roofing Contractor.

Contact Gainesville Restoration and Remodeling to schedule an appointment for your Gainesville Florida Home Inspection.

Gainesville Florida Home Inspection

Gainesville 352-372-1221

Ocala 352-622-5277

CRC 1327956 – State Certified Building Contractor

CCC 1326022 – State Certified Roofing Contractor

MRSR – 96 – State Certified Mold Remediator