In Florida, insurance companies require a four-point inspection for homes above 30 years old, and sometimes even for newer homes. This limited inspection assesses four critical components of a home: the roof, electrical system, plumbing, and heating/air-conditioning. The purpose of this inspection is to provide the insurance company with a comprehensive understanding of the condition of a home, especially older components that may lead to future claims.
The inspection covers the following areas:
Roof - Assessment of the type of roof covering such as shingles, tile, or rolled, and the age and condition of the roof. Any missing shingles or leaks are also taken into account.
Electrical System - Inspection of the wiring in the home, including copper, aluminum, knob, and tube. The brand of the electrical panel and the condition of the entire electrical system are also evaluated.
Heating and Cooling - Evaluation of the central heating and air system in the home, including the age and condition of the system. Any signs of leaking are also taken into consideration.
Plumbing System - Assessment of the supply and drain lines in the home, including copper, CPVC, galvanized, lead, or polybutylene, and any current leaks or the age of the water heater.
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