If your house qualifies you can save from $250 a year to over $1,000 depending on the discount levels which is based on the construction of your home. The discount is good for 5 yrs.
We discount all Wind Mitigation reports if they are conducted at the time of the inspection. Many people have gotten "A FREE Home Inspection" because of the discounts.
Wind Mitigations Inspections:
How can they help you as a buyer?
Wind Mitigation inspections can provide discounts on your buyers Home Owners Insurance. Some of these discounts can be sizable.
What is a Wind Mitigation report?
When you are looking to purchase a home you will more than likely choose Wind Storm Coverage for your house. Wind Storm Coverage can be quite
expense especially for a home that is built before 2002. After 2002 the builders had to build to a stricter level of construction which helped makethe home more impervious to high winds.
Insurance companies will provide discounts to the buyer if the home meets some of those building requirements. An inspection is needed of the
property to properly assess how the home is built. What are some of the things a wind mitigation inspection is looking for?
- Style of the roof; Hip or gable
- Age of the roof covering
- Joist hold down devices
- Wall construction
- Opening protection
Four Point Inspections
A 4 point inspection is normally required when the home being purchased is over 30 years. Although some insurance underwriter require 20 years and some require a 4 points if it is 50 years and over the majority of underwriters are 30 years or older.
What does 4 Point mean?
- The 4 point mean the inspector is checking to see if the house has been brought up to code so the insurance company can issue insurance. It covers the main 4 points of a home: The roof, plumbing, electrical & the HVAC system
What does this mean if I am purchasing a 30+ year old home?
- Call your prospective insurance company and ask them if you will need a 4 point inspection.
- If they say yes the house needs to pass before they can write the policy. In many cases you can not get your mortgage if you do not have a homeowners policy. The lack of having this inspection could hold up your closing.
Can't I just use the Home Inspection Report instead of a separate 4 Point Report?
- In most cases the Insurance company will require a separate report
House 2 Home will discount the 4 Point Inspection if it is conducted with the Home Inspection. Two (2) separate reports will be issued. The Home Inspection report which goes to you and the 4 Point report which goes to the Insurance company.
H2H inspectors are fully licensed & certified. Leasing or buying commercial real estate can be a large investment so that is why you need a professional company that assures you get what you paid for.
What does an H2H Commercial Inspection include?
- Professional documented report w/ digital photos
- Exterior grading, parking lot, sidewalk, lighting, siding, access & landscaping
- Structural foundation, roof, downspouts & flashings
- Electrical service panels, AFCI's, GFCI's, smoke detectors, outlets & wiring.
- HVAC, gas meters, piping,exhaust systems, intakes, air make ups, cooling compressors & drains. Plumbing, main shut offs., backflow valves, water heating equipment, bathrooms, waste systems, sump pumps, water supply & kitchens.
- Attic, ventilation & insulation
- Cooking area, exhaust systems, filters, ducts, fire extinguishers, shutoffs & appliances.
- Commercial fire doors
- Accessibility report for the handicapped
- Life safety (e.g. sprinkler systems, fire alarms etc.
Mold (from the EPA)
"Since mold requires water to grow, it is important to prevent moisture problems in buildings. Delayed maintenance or insufficient maintenance are also associated with moisture problems with schools & large buildings. Molds can produce allergens that can trigger allergic reactions, asthma attacks. Others are know to produce potent toxins and irritants.
Visit the EPA's mold site at: http://epa.gov/mold/moldresources.html
Questions to Consider:
- Are there moisture problems in the area?
- Have building materials been wet for more than 48 hours?
- Are there hidden sources of water?
- Are building occupants reporting musty odors?
- Has maintenance been delayed?
- Has the building been remodeled or the use of the building changed?
- Have occupants been consulting with medical professionals?
Indoor Air Solutions
Because we are a licensed Home Inspector and licensed Mold Assessor we can perform both functions on the inspection. If Mold is a concern at the time of the inspection we can visually assess the area or we can conduct a ATP test which will give us results on the site. If further testing is needed we can send testing to our accredited lab.
We will do a thorough investigation involving building occupants, maintenance staff, and other building personnel in addition to moisture detection, thermography and air sampling.
Our priority is to protect your health & safety!