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The way to reduce insurance rates is to have a safer home. The more stable your home, the more discounts insurance companies provide. Discounts are called Wind Mitigation discounts. Florida Insurance Inspections, Inc., provides Wind Mitigation Inspections to single family homes, townhomes and condominiums. We can help evaluate your home to become more wind-resistive and have lesser damage during a windstorm event. Lesser damage equals reduced insurance costs for homeowners. Wind Mitigation discounts are applied toward the windstorm portion of your total insurance premium. |
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| Photography |
$20.00 |
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Exterior, all 4 sides |
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| Full Windstorm Inspections |
$125.00 |
(Includes Townhomes and 2 & 3 floor Condo Units) |
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Depending on the characteristics you can save up
to a 50% on your policy premium. The
following is a list of them: |
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| Basic Feature |
General Description |
| 1. Roof Shape |
a) Hip
b) Gable
c) Flat or other |
2. Roof
covering
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a) FBC equivalent shingles
b) Non-FBC
equivalent asphalt shingles
c) Reinforced
concrete |
3. Secondary Water
Resistance
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a) Roofing underlayment
b) Foam
adhesive |
4. Roof-to Wall
Connection
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Specific types of
a) Clips
b) Hurricane connectors/straps |
5. Roof Deck
Attachment
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Thickness of roof
decking and size & pattern of nails or
screws |
| 6. Opening
Protection |
a) Hurricane
shutters
b) Impact resistant
glass |
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Shutters and Opening Protection
If you have shutters, impact glass, or other protection devices, your can save a Lot! Even 1/2 plywood with proper anchors and spacing can receive a discount.
You can get a discount for having all glazed openings (any glass including glass on doors and garages)covered.
You get a better discount for having all openings covered, including doors and garages. Yes doors also fail, especially Garage doors, they are much weaker than you would imagine. and your doors need to open out-wards to meet some of the requirements
If you only have some shutters, you will not qualify. If you have new impact shutters on half the windows and old awning or wood on the other half, then you would receive the lower awning or wood credit. We must identify the weakest opening in the structure |
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| ^ Back to Top |
| 4 Point Inspection |
$90.00 |
| (Additional unit $25.00 each) |
Insurance companies want to know that four vital systems in your home have been updated and/or maintained and in good working condition. 4pt Inspections include roof, electrical, plumbing and air conditioning. The inspection goal is to determine the approximate age of each sustem and condition. Customarily, 4pt inspections are required on homes over 50 years of age. |
| Roof Condition Certificate |
$75.00 |
| (FREE with Windstorm and/or 4 Point Inspection) |
Citizen insurance now requires Roof Condition Certification inspections or proof of roof replacement upon renewal for homes of certain ages |
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All roofs must be in good condition with no damage or visible signs of leaks to be eligible for coverage with Citizens. In addition, specific age of roof requirements have been implemented. Roof eligibility does NOT apply to HW-4 and HW-6 policies. Please see the underwriting manuals for each line of business for complete details. |
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| Age of Roof Requirements |
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Homes over 25 years old with a shingle roof, homes over 50 years old with any other type of roof and mobile homes over 25 years old must have the roof replaced to be eligible for coverage. To assist policyholders, Citizens has created a Roof Condition Certification Form (CIT RCF-1 1108) which may be used to certify the eligibility of the roof. Other acceptable documentation includes a copy of a completed roofing contract or an inspection completed by a licensed roofing contractor, which contains the required information, found on form (CIT RCF-1 1108). If you have any questions, please contact your Regional Underwriter for assistance. |
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| Condo Units (4 floors and over) Each |
$70.00 |
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| Combination - Windstorm and 4pt |
$150.00 |
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| Valuation (for Insurance) |
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| Marshall & Swift generated Replacement Cost Valuation |
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$250.00 |
| Up to 5000 sq. ft. |
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| Over 5000 sq. ft. |
$350.00 |
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| What is Replacement Cost Valuations? |
Replacement Cost Valuations are a calculation of what it would cost to repalce a structure at today's construction costs. A sophisticated computer program by Industry leader Marshall and Swift is used to determine costs based on specific criteria such as; square footage, quality of construction and finishes to determine the cost of reconstructing a structure. |
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We perform a physical inspection of the subject property, noting finishes, special features and specific construction characteristics. photographs are taken and a floor plan of the property is prepared and included in the report. |
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Valuations are different from Appraisals in that they do not consider the value of the land on which a structure is built; and therefore, do not in any way reflect current market value. |
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| Advantages of Replacement Cost Valuations |
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Establishes the actual replacement value of your property, so that you are neither under-insured nor over-insured. |
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Provides a certified independent record of your property's current condition and a true estimate of it reconstruction cost. |
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Provides you with a dollar amount that assists you and your insurance agent in arriving at adequate coverage. |
| Purchase / Home Inspections |
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Structural |
Exterior & Grounds |
Electrical |
Heat & A/C |
roof, wall, and floor structures, foundations, attached structures (porches, decks, etc.) |
siding and trim, soffit and fascia, flashing, windows & doors, driveways and entrance walkways, grading of the ground around the house |
service equipment, general circuit wiring, distribution panels, disconnect panels, light fixtures, ceiling fans, switches & receptacle outlets, GFCI and AFCI breakers |
air conditioning and heat pump equipment, electrical supply, air handler and furnace equipment, condenser and evaporator coils, condensate drain,supply,return ducting |
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Plumbing |
Appliances |
Interior |
Garage |
water heater, water supply piping, hose bibs, waste and vent piping, fixtures, toilets, sinks, showers and tubs |
oven, dishwasher, garbage disposal, range, vent hood, microwave |
walls, floors, ceilings, windows and doors, fireplaces, stairways |
floor, walls, ceilings, vehicle doors and automatic door openers |
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| Home Inspection (for New Purchase) |
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| Up to 1500 Sq. Ft. (Includes Windstorm, 4pt & RCC if needed) |
$275.00 |
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| Over to 1500 Sq. Ft. (Includes Windstorm, 4pt & RCC if needed) |
$375.00 |
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* Additional $75 (more or less) to include Termite Inspection. If the Termite Inspection is requested as part of the New
Purchase Inspection, we hire an economical external company that can perform the Termite Inspection.
*Additional $75 to include the Full Windstorm Inspection, 4 Point Inspection and Roof Condition Certificate. |
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