Home Inspection Details
What does my home inspection include?
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Types of Full Service Inspections:
- Pre-Purchase Inspection - "I am Buying a home"
- Pre-Listing Inspection - "I am Selling a home"
- Current Resident Inspection - "I would like to know the condition of my home"
A High Tide Home Inspection is a non-invasive, visual examination of a home, often in conjunction with the sale or purchase of a home. A seller may choose to have a pre-listing inspection before putting the house on the market, or wait for the potential buyer to conduct the inspection.
The home inspection is essential when conducting a property transaction, and is designed to identify defects within the dwelling, allowing both the buyer and the seller to make better informed decisions regarding the property.
Our Full Service Home Inspections Include Examination of the Following:
- Structure and Foundation
- Porches and Decks
- Electrical System
- Heating and cooling systems
- Plumbing Systems
- Built in appliances
- Doors and Windows
- Insulation and Ventilation
- Moisture Analysis
- Visual Mold Screening
What is wind mitigation?
“Wind mitigation is the implementation of certain building techniques in order to limit damage caused by intense wind.”-Nachi
Why Do I Need a Wind Mitigation Inspection?
The bottom line is, choosing to have a Wind Mitigation Inspection can save you money!!!
- “In some states, homeowners can benefit from reduced insurance premiums. The Gulf Coast states, which are most prone to windstorm damage from hurricanes, have each considered mandating incentives to mitigate damage due to wind. Mississippi and Texas currently do not have such legislation, although Florida has been successful. Following Hurricane Andrew, Florida passed a law requiring insurance companies to offer their customers discounts and credits for existing building features and home improvements that reduce damage and loss from wind. In order to qualify for this discount, homes must undergo a certified home wind inspection. However, many Floridians do not know of this law.
- Those with windstorm insurance can avoid a costly deductible. Deductibles for homes in hurricane-prone areas can exceed $20,000, meaning that mild to moderate wind damage might not be covered by insurance at all. If proper wind mitigation techniques have been used, these expenses can be avoided altogether.
- Wind mitigation helps protect the home from damage. Even if a home is insured, it is always costly when a house is damaged, both for the homeowner and the insurer. Repairs can take months, especially during material shortages that follow massive destruction to entire communities, as was the case after Hurricane Katrina struck Louisiana.
- Lenders in Florida require homeowners to carry windstorm insurance in order to be approved for a mortgage. Insurers may not provide windstorm insurance to homes that are vulnerable to wind damage.”-Nachi
What is a 4-Point Inspection?
The 4-Point Inspection is often a required inspection in order to obtain (or maintain) insurance coverage. The inspection requirements were designed by insurance companies in order to get a better understanding of the structure they are insuring.
What is included in a 4-point inspection:
- The Visible HVAC System (Heating, Ventilation, and Air Conditioning)
- Visible Roof System
- Visible Plumbing System
- Visible Electrical System