Why a Home Insurance Inspection is Necessary?

Why a Home Insurance Inspection

Homeowners insurance safeguards your home and possessions against damage, theft, fire, wind and liability. A home inspection provides both you and your insurance provider with an idea of the home’s health. Your insurance provider uses the inspection report as a tool in assessing risk, a vital part of developing your insurance policy. You can also use the report as a tool in prioritizing any necessary home repairs, if any issues are found.

A Home Insurance Inspection is Different from Regular Home Inspections

A regular home inspection is done with reference to the marketability of the home. A home insurance inspection is a limited inspection that only covers the specific points insurance carriers are concerned with. It does not provide any information on its condition for selling or buying, nor does it guarantee insurability.

Replacement Cost

Your insurer is liable to pay for the losses caused by hurricanes, theft or fire as specified in the policy. In case the home is totally destroyed, the insurer has to pay for rebuilding the house. This cost can be remarkably different from the market value of the home. The report helps the insurance carrier to assess any existing risks for damage within the house, and thus mitigate their potential outlay.

4 Systems that are Covered in the Insurance Inspection

While insurance companies do not provide specific instructions on what to look for in this type of home inspection, there are 4 key areas that experience has shown they care about:

  1. The roof
  2. The electrical system
  3. Plumbing and heating systems
  4. Ventilation and air conditioning (HVAC) systems

What the Home Inspector will look at in an Insurance Home Inspection

The home inspector will take note of the age and type of system in each of the four areas listed above. They will inspect essential parts and overall condition of the system. They will also take a look at whether or not the system has been updated to meet more current standards.

Proper Maintenance is the Key to Pass Home Insurance Inspection

This inspection can give you an idea of possible areas you need to update and/or repair in order to rectify any disqualifying areas. If insurance is denied, or severely limited, or overly expensive, you can request from the insurance carrier’s underwriter any actions that you might be able to take to improve or obtain a suitable insurance policy.

We offer a variety of home inspections. For further information on how we can help you, please call us at (561) 818-5593 or fill out our online form.

Resources:
“Home Buyers Insurance Checklist.” 2016. Accessed August 5, 2016. http://www.iii.org/article/home-buyers-insurance-checklist.
Insurance. “System-Page-Title.” Accessed August 5, 2016. http://www.tdi.texas.gov/pubs/consumer/cb025.html.Accessed August 5, 2016. https://www.michigan.gov/documents/cis_ofis_03homegd_74854_7.pdf.
Accessed August 5, 2016. http://www.mass.gov/ocabr/docs/doi/consumer/homeowners-guide.pdf.
Hungelmann, Jack. “Why Do I Need A Home Insurance Inspection?” 2016. Accessed August 5, 2016. http://www.bankrate.com/finance/insurance/why-do-i-need-home-insurance-inspection.aspx

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Examining the Exterior of Your Home Involves 4 Key Areas

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You should know what a home inspection involves when it comes to the exterior of your house. It may not cover everything that you think it does.

First, know that an exterior home inspection is a visual inspection only.  If something is not visible and easily accessible from the ground level, the inspector will not include it in his report.

Second, an exterior home inspection focuses on the house primarily. It may not include all the structures on the property. You will want to discuss any outbuildings, pools, and other structures you may want to include with your home inspector. He may help you decide whether or not those structures are relevant to the purpose for the inspection.

Third, prepare your home for the inspection. As the inspection only covers what is easily visible and accessible, you should prepare the property as best you can to make the inspector’s job easier. Move obstructions such as, outdoor furniture, lawn and garden equipment, tools, or outdoor decorations. If you have vegetation growing near the exterior of the home, it may limit what the inspector can see (that may or may not be an issue). Move any cars out of the way, as much as possible.

An Exterior Home Inspection Looks at 4 Key Areas

The home inspector will only take a look at areas that are easily accessible and visible. Their report will point out areas that may be deficient in some way. The report is not a guarantee nor does it predict the future. There are 4 key areas that the exterior home inspector will focus on:

  • Exterior walls, doors, and windows. Specifically exterior wall cladding/siding, flashing, and trim. The inspector is not required to look at window and door screening, shutters, awnings, or other seasonal or similarly protective accessories or devices.
  • Exterior structures. This includes attached decks, porches, balconies, stoops, steps, and their associated railings. It may also include garages and carports. It does not necessarily include any other outbuildings, recreational buildings, swimming pools, fences or other items (such as sea walls, break-walls, boat lifts or docks).
  • Roof elements that are easily visible. The home inspector is not required to scale a ladder and so the only items he will focus on near the roof are items easily visible from the ground level: eaves, soffits, and/or fascias.
  • Surrounding walkways, driveways, and patios. The exterior home inspection typically covers any walkways, driveways, or patios that lead to the home itself.

 If any deficiencies are found upon a visual inspection of the home’s exterior, the inspector will provide you with reasons why they deemed that item deficient or near the end of its service life. They may provide you with recommendations for correction and/or monitoring.

If you have any questions on what type of home inspection service you need, please contact us.

Resources:

STATE OF FLORIDA HOME INSPECTION STANDARDS OF PRACTICE. PDF. http://www.pelicaninspections.com/fl_standard_of_practice.pdf

 

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Home Inspection Checklist on What to Inspect and What Not

^D6169CD320BDA954D6FA721623C8FAF3293386EE3DC9C33A5B^pimgpsh_fullsize_distrBuying a home is one of the most exciting, important, and expensive investments to make. A critical process that requires careful consideration. The house you decide to buy will have to meet your needs in terms of desired location, aesthetics and layout, and cost.

That doesn’t even cover the “health” of the building. Checking on the building’s structure and systems requires professional help. Often this pre-purchase inspection will give the prospective buyer information on how certain elements of the property stand up, what might need repair now, and what might need repair in the near future. This information allows the buyer to make an informed decision in the purchase and arms them for negotiations with the seller.

The International Association of Home Inspectors (InterNACHI) has set a standard inspection checklist that outlines what should be covered by licensed home inspectors in a pre-purchase home inspection.

Structural Elements. Foundation check or any evidence of sagging or bowing of the structure and window alignment.

Grounds. Possible leaks that may occur from the septic tank and drainage, as well as, the condition of driveways, fences, and sidewalks.

Roof. Condition of the roof covering; any repairs/patches to flat roofs; clear vents; damage to chimneys; and properly working gutters.

Exterior surfaces. Correct clearance between ground and sliding material; condition of exterior paint or siding; and properly working lights and electrical outlets.

Attic. Proper insulation and ventilation, with no sign of leaking or water damage.

Interior Plumbing. Covers damaged or leaking pipes, water temperature installation, toilet, bathtubs, and showers.

Electrical System. Up-to-code condition and type of visible wiring, and proper function of circuit breakers, outlets, light fixtures, and fans.

Appliances. Functioning stove, dishwashers, refrigerator, microwave, washer and dryer, and all other household appliances.

Heating and cooling systems. Ensures working furnace, air conditioning, water heater, chimney, and and fireplace.

Basement. Solid foundation, walls, and floors, with no signs of water intrusion or damage.

Garage. Solid foundation, windows, ceiling, framing, and roof; working garage door opener; up-to-code electrical system; and proper function of outlets.

There are areas, however, that are not covered by a standard inspection, which should also be considered like pest control, swimming pools, asbestos, radon gas, lead paint, and toxic mold.

Guard your investment. Hire professionally trained and qualified home inspectors from The South Florida Home Inspection Associates.

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Find and Destroy Mold BEFORE it Destroys Your Home!

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Mold is one of the most common forms of fungi and can be destructive for various surfaces. Mold testing will help you determine if you have mold at your home. The presence of mold in your home can cause serious health problems for some people. The damage to surfaces can also be significant.

Mold Signs.

The first sign indicating the presence of mold is the smell. Even if you do not see it, there is probably mold hidden somewhere. Mold testing will help you localize it.

Having allergy symptoms might also be a sign of mold hidden in your home – there could be mold spores in the air. Moreover, every time you breathe, they cause an allergic reaction such as a runny nose, sneezing and sore eyes. These symptoms indicate that you should have a mold test performed in your home as soon as possible.

Why you Should Undertake Mold Testing.

It will help you to determine if you have a mold problem, and if so, how hazardous that mold is. You can purchase a do it yourself mold test, but it is much better to use the services of a qualified mold inspector. Only an expert can professionally collect and analyze of the samples from within your home.

Since this test provides you with a snapshot of the amount of mold particles within a period, samples have to be taken from different locations within the home. There are three types of mold tests: air, bulk, and surface mold testing. Combining all three of them will offer the best results.

Mold Inspection before Having your Home Tested.

A mold inspection needs to be done before any testing. If the inspection shows that there is mold in your home, recommendations on removal procedures may be obtained. If testing shows that the mold infestation is of the toxic variety, then professional help is recommended for the mold removal.

South Florida Home Inspection Associates offers professional mold testing and inspection services. If you have mold in your home, we will help you find it. We will help you to confirm that you live in a healthy home.

Sources:

https://books.google.com.ph/books?id=Tbc0LIe3dzcC&printsec=frontcover&dq=Mold+Inspection&hl=en&sa=X&ved=0ahUKEwiG1LKI7dHMAhVGG5QKHXYVC-oQ6AEIIzAA#v=onepage&q=Mold%20Inspection&f=false

https://books.google.com.ph/books?id=9784qLnSeaAC&pg=PA158&dq=Mold+Testing&hl=en&sa=X&ved=0ahUKEwiF3JCW7dHMAhWIJ5QKHaoEC0sQ6AEIIzAA#v=onepage&q=Mold%20Testing&f=false

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A Home Inspection for My Brand New House?

Do I Need a Home Inspection for My Brand New House?

A Home Inspection for My Brand New House?

YES! You need a home inspection for your new house. Even new constructions still have defects. Moreover, this may lead to many problems in the future, and the repair bill is often costly. Construction flaws might appear during the building of the house, even if the best builders work for you.

After the general inspection, some other inspections may be necessary. These are usually inspections of the foundation, roof, plumbing, electrical installation, and others as required.

The home inspector usually starts their inspection on the roof. Then, every major house system should be checked – the plumbing, septic, electrical, heating installations, and so on.

Why have a Home Inspection?

Only the report of a home inspector can guarantee the quality of construction. If possible, you should get an inspection on a new build before the sheetrock goes up. Thus, you will be able to demand that the builder fix any issues that would otherwise be covered up. A final home inspection is essential before closing on the property.

What Will a Home Inspector Do for You?

Understanding the difference between the various kinds of inspectors and inspections is essential. The city or county building inspectors will only check for code violations, the quality of the work is of no interest to them. Licensed home inspectors have a checklist that cover slightly different areas. For more information what home inspectors do during this kind of inspection, please read this article.

Never allow builders to fool you into thinking that an inspection is not necessary. A detailed inspection significantly reduces the risk of buying a new home with problems. Repairing them in the future may be problematic, not to mention costly. Take precautions early and hire a house inspector to ensure that everything in your new home is stable and safe.

South Florida Home Inspection Associates will provide you with professional home inspection services. Our expert house inspectors are members of the National Association of Certified Home Inspectors (NACHI). We have a special home inspection specifically designed for new home builds, contact us for more information.

Source: https://books.google.com.ph/books?id=vIMCBAAAQBAJ&pg=PA120&dq=Do+I+Have+to+Get+My+Brand+New+House+Inspected?&hl=en&sa=X&ved=0ahUKEwiqiLTQ7NHMAhXEQpQKHSuBDDwQ6AEIIDAB#v=onepage&q=Do%20I%20Have%20to%20Get%20My%20Brand%20New%20House%20Inspected%3F&f=false

 

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Why Flipped Homes Need Home Inspection?

The purpose of a home inspection is to give you an expert opinion about the structural and functional components of the house based upon a visual examination. Flipped houses need a home inspection because they are bought and sold quickly to make huge profits. Most investors purchase shabby houses, make quick and cheap repairs and conceal serious defects under attractive cover-ups. A home inspection points out the existing and potential issues with the home to help you proceed carefully.7694487

Your home inspector examines the following things to detect underlying issues-

Structure of the House

Your home inspector will look for structural defects with the home such as uneven floors, cracking in the exterior brick or substandard finish work inside the home and inform you about the same.

Interior

You might fall for shiny and fascinating interiors- newly installed light fixtures, new carpets, switches and windows-but your home inspector will notice the drawbacks. A seemingly new and perfect kitchen with new/repainted cabinets, stainless steel appliances and granite counter tops might not be that perfect! Cabinet doors / drawers might be getting blocked by other cabinets. Appliances might not have an outlet to plug them in to. Bathrooms that have been redone might have vanity cabinets that are too small for the space.

Electrical System

According to Reuben Saltzman, Structure Tech Home Inspections, “I don’t find many electrical problems on flipped houses.  Even the worst home flippers usually know better than to mess with the electrical; they don’t want their houses to burn down.”Electricals in a flipped home are usually fine.

Heating System

The flipped home might have an outdated and unsafe heating system at the end of its life expectancy.  Reuben Saltzman says, “I’ve found furnaces and boilers creating high levels of carbon monoxide that the heating contractors said were fine.”

Air Conditioning

Investors usually put up a new AC if they are selling a flipped home in summer while in winter they just leave the old, defective AC as such.

Plumbing System

Your home inspector will inform you about serious issues with the drains such as leaks and clogged drains at the kitchen sink, and probably at other locations.

Roof

Shingles on the roof might be in a pathetic state. Flippers usually don’t replace the roof covering as it is expensive but doesn’t fetch more value for the home.

South Florida Home Inspection Association is a reputed name in the field of home inspection services. We provide all kinds of services related to inspections, maintenance and appraisals. Please feel free to call us on 561-818-5593 or visit us at http://www.sfloridahomeinspection.com/contact-us-2/

 

 

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Real Estate Appraisal

Why a Real Estate Appraisal Is Important When You Are Not Using Financing

Real Estate Appraisal A real estate appraisal is a very important part of the process of purchasing a home. When you are not financing your home through a bank or mortgage lender and directly buying it from the seller, a home appraisal can act as an eye-opener and deciding factor.

A real estate appraiser has no emotional attachment to the property. He looks at the home from an objective, third party point of view and then prepares his report about the present market value of the home. Given the fact that you get the appraisal done by a certified, state-licensed appraiser, you can trust the legitimacy of the appraisal. When you get to know the genuine value of the home, you need not overpay for it. Thus, a real estate appraisal helps you make a sensible purchase.

A real estate appraisal gives you window to negotiate on the price quoted by the seller. If an appraisal indicates that the quoted price is higher than the actual value, you can ask the seller to come down in their price.

A home appraisal takes into account several relevant things you might skip in the excitement of purchasing a home, such as amenities, age of the home, style of the home, cost of replacements, safety arrangements, and anything else that can change the value of the home. An appraiser takes notice of all these things and mentions them in the final evaluation. If there are any problems, you can ask the seller to make necessary changes before going ahead with the purchase.

The value of a home is influenced by several factors such as location, amenities, recent sale of comparable properties, growth scene and trends in the neighbourhood, and market conditions. A home appraisal considers these factors and informs you about the area at the same. This way, you get to know the present value of the home and the chances of value appreciation in the future.

Purchasing a home is a dream for many people and probably the biggest investment their lifetime. It is meant to provide happiness, comfort, and a peace of mind. A genuine home appraisal helps you make a wise purchase by informing you about the actual worth of the property. The satisfaction that comes from having made the right decision is invaluable. On the other hand, a thoughtless purchase made by overpaying is sure to give you sleepless nights.

 

Contact South Florida Home Inspections Association for reliable real estate inspections and appraisals by our professionally trained and qualified home inspectors and appraisers. Please feel free to call us on 561-818-5593 or read more at sfloridahomeinspection.com/contact-us-2/

 

Resources-

http://bit.ly/1Q0GEoN

http://bit.ly/1PQkozh

http://www.investopedia.com/articles/pf/12/home-appraisals.asp

http://bit.ly/1MTfWtR

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Rodent & Pest Home Inspections

Rodent & Pest Home Inspections in South Florida

Rodent & Pest Home Inspections Rodents can intrude into the comfort of your home whenever they get a chance. They spread diseases, invade your home, render your food unfit for consumption, and in some cases they can even cause fires. The best way out is to contact a reliable home inspection service in South Florida to eliminate these unpleasant creatures as soon as you notice them in your home.

Why Rodent and Pest Inspection is Important

  1. It Protects You from Diseases

Rodents spread several diseases both directly and indirectly such as:

  • Hantavirus pulmonary syndrome
  • Hemorrhagic fever with renal; syndrome
  • Lassa fever
  • Leptospirosis
  • Lymphocytic chorio-meningitis
  • Plague
  • Babesiosis
  • Colorado tick fever
  • Human granulocytic anaplasmosis
  • Lyme disease
  • Murine typhus

A reputable rodent and pest inspection service frees your home from rodents and protects you, your family, and your pets from these life-threatening diseases.

  1. It Restores the Beauty and Hygiene of Your Home

A home infested by nauseating creatures such as rodents loses its beauty, hygiene and quality. Everywhere you notice bits of chewed up things, urine, droppings, and a repulsive odour. It can become uncomfortable to live in a home full of this type of thing. A rodent and pest inspection done at the very onset of invasion into your home can remove these offensive animals and critters from your home and bring it back in its original quality state.

  1. It Ensures Your Food is Not Contaminated

When you have rodents in your home, it’s important to realize that your food may not be fit for consumption. Rodents will pollute your food to some extent and that is simply unacceptable. A genuine home inspection service in South Florida ensures the complete elimination of rodents from your home so that your food is no more contaminated.

  1. It Protects Against Fires Caused by Rodents

Rodents can also cause fires by chewing away the insulation on electric wires and exposing the wiring to wood or other flammable materials. This is a serious threat to your home, family, and pets. A rodent home inspection safeguards you against any prospective fires caused by rodents by setting your home free from them.

The Best Time for a Rodent/Pest Inspection is either the colder months when they are largely dormant or at the onset of warmer months when they start resuming their activity and reproduction.

South Florida Home Inspection Association is a leading provider of all kinds of home inspection services. To avail any of our services, please call us on 561-818-5593 or contact us at sfloridahomeinspection.com

 

Resources-

http://www.nachi.org/rodent-inspection.htm

http://bit.ly/1STQZ5R

http://bit.ly/1MRqvwt

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Safeguard Your Home from Fires with Regular Home Safety Inspections

Fifty-eight people died in fires since the beginning of 2015. By taking precautionary steps and doing regular home safety inspections, you can help prevent this number from increasing.

By conducting regular home safety inspections for fire hazards and by maintaining smoke alarms and fire extinguishers in peak condition, you may save your life and the lives of your loved ones. Also, teach your children and older adults living with you about what to do if a fire starts. These two age brackets are the most vulnerable when fire rages.

Maintenance of Smoke Alarms:

Smoke alarms are great life savers during fire. Make sure to have working smoke alarms in your home.

Statistics from the U.S. Fire Administration:

  • Three out of five home fire deaths take place in homes without working smoke alarms.
  • Working smoke alarms cut the risk of dying in a home fire by half.

If you maintain smoke alarms in good working order, they will alert you to the fire with 16222462enough time to get everyone out of the house and possibly with enough time to extinguish the fire before it causes too much damage.

Maintenance of Fire Extinguishers:

If you know how to use a fire extinguisher, it is an excellent fire-fighting tool. You can keep up with maintenance by:

  • Making sure that working parts such as the can, hoses, and nozzles are not damaged or rusted.
  • Keeping it free from any dust, oil, or grease.

Also, make sure before any fire occurs that you understand the directions and how to use the extinguisher. You might want to purchase an additional extinguisher of the same make and model and do a test run.

Proactive Education for Children:

Even if you have taken enough measures to make your home child-proof and safe, teach your children fire safety at home:

  • Educate them about the hazards associated with matches, lighters, and gas stoves.
  • Make a fire escape plan and that your children fully understand.
  • Teach them how to escape their bedrooms in case fire blocks the door, and have them practice it.

Proactive Education for Older Adults:

Statistics from the U.S. Fire Administration project that those 60 and above are nearly 3 times more likely to die in a fire than those in the general population. Here are some tips for them:

  • Choose a room on the ground floor to sleep in. This will allow for an easier escape.
  • Ensure that smoke alarms and fire alarms are working.
  • Conduct regular fire drills.
  • Depending on their state of mind, don’t let them have candles, and other fire hazards in the room.

Protect yourself from home fires with these simple proactive steps. If you’re in the market to sell your house, or purchase a new one, or would simply like a basic overall inspection done on the major systems and structural integrity of your home to know which areas need repair or will need watching, please contact South Florida Home Inspection Assoc or call 561-818-5593 for more information.

Also see: http://www.sfloridahomeinspection.com/got-a-fireplace-in-your-home-use-it-safely/

 

 

 

 

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Purchasing a Newly Constructed Home? Get a New Home Inspection.

house-villa_GyAkZPuuIf you are going to purchase a newly constructed home, you might not think you should get an independent inspection done. Most home buyers assume that because a home has passed all local codes and ordinances, it must be in good condition and safe. It’s the older homes that need inspecting. The fact is that there are several issues related with newly constructed homes and you should be aware of them before making the move. A new home inspection is the most important step to take in order to ensure that you have invested your money wisely and the place is comfortable and safe.

Why do I need a New Home Inspection?

Below are the reasons why a newly constructed home needs a home inspection and what you can expect from your home inspector:

  1. The process of construction means it’s easy to miss stuff.

    Constructing a home involves different subcontractors and their employees undertaking different activities simultaneously. So it is almost impossible for the builder to keep a watch on everything. Some common issues with newly built homes are-broken roof trusses, missing siding, organic growth on crawl space wood framing and so on. Your home inspector will alert you to these types of problems.

  2. New home inspections have higher standards than municipal inspections.

    Municipal building inspections are aimed at checking for minimal compliance with applicable building codes. There are several things municipal inspectors don’t need to examine. As a result, these inspections insufficient. Your new home inspector will give you a better picture of the property, in accordance with the standards set for home inspections.

  3. Before you move into your new home, repairs can be completed.

    Your home inspector will let you know about any home repairs required. You can then ask the builder to make the repairs before you move into the home. It will save you from the potential inconvenience of workers inside your home while you are.

  4. New home inspections may discover potential safety concerns and may save expense down the line.

    Sometimes there are serious problems with newly built homes. For example, gas leaks may result from shoddy workmanship. Other items, like missing attic insulation could result in higher utility bills. Your home inspector will identify these issues so that they can be fixed before moving into your new home.

What won’t a New Home Inspection cover?

The job of a home inspector is limited. So be aware that there are certain things you shouldn’t expect from him.

  • A new home inspector will give you a big picture analysis of the property and is not supposed to include every little detail in the final report submitted to you.
  • Irrespective of his experience and expertise, he cannot predict when a particular system may fail.
  • He will not fix any problems discovered during the home inspection as it is strictly prohibited by the code of ethics of The American Society of Home Inspectors (ASHI).

South Florida Home Inspection Association, in compliance with the standards set by The American Society of Home Inspectors (ASHI), carries out new home inspections. The inspectors are highly trained, experienced and honest professionals. They help new home owners in Palm Beach Gardens and the surrounding areas aware of the actual condition of the property through an objective and unbiased home inspection. For more information, visit http://www.sfloridahomeinspection.com/services/new-home-inspection/.

 

 

 

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  • S. Florida Home Inspection Assoc.
    P.O. Box 32592, Palm Beach Gardens, Florida 33420
    Phone: 561-818-5593 Fax: (772) 325-0204 E-mail: [email protected]