INSURANCE INSPECTIONS

At Provision Inspection Services, we offer the following insurance inspections:

4-POINT 

INSURANCE

INSPECTION

4-Point Insurance Inspection

WIND

MITIGATION

ASSESSMENT

Wind Mitigation Assessment

ROOF

INSPECTION

We offer Roof Inspections as part of the Standard Home Inspection or a Preventive Roof Inspection that will help owners to keep the roof in good condition and extend the life duration, avoiding emergency costly repairs.

This is what we look for when inspecting a roof:

  • Check flashing for damage or for inadequate coverage

  • Look under eaves and overhangs for damage that might mean water leakage

  • Examine shingles for any that are missing, cracked, curled, torn, or warped

  • Look for any open seams or joints that could lead to leaking

  • Look for popped or rusted nails or stains around nails

  • Check for unevenness, sagging, or unsound areas

  • Inspect your sources of roof ventilation—are they clogged, do you have ventilation, is there enough ventilation?

  • Inspect gutters for sagging, signs of leaks, and accumulation of granules

  • Check for dark patches or growth

  • Check around pipes and roof penetrations to make sure they are sealed and in good shape

  • Look inside the attic for signs of leaks, dark spots, holes, or sagging sheathing

4-PT INSURANCE INSPECTION FAQ'S

Do I need a 4-Point Insurance inspection?


It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner, and required to properties 30 years or more.
The benefit to the insurance company is, obviously, reduced loss risk on homeowner’s insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.




What does a 4-Point Insurance inspection cover?


Your Four Point Inspection covers the components required by the insurance companies, and because we work with basically all insurance providers, we know the information they are looking for: - Roof - Electrical - HVAC system - Plumbing




Will my insurance company pay for the inspection?


No.

Insurance Companies no longer carry out their own visual inspections and defer to professional inspectors to do this. Our comprehensive 4 Point Inspection covers everything your Insurance Company needs to properly quote and cover your home.

We tell the insurance providers if you have made any upgrades to your house, for you to save money in your policy and to protect the upgrades; we will make sure your coverage is up to date.





WIND MITIGATION ASSESSMENT FAQ'S

Do I need a 4-Point Insurance inspection?


It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner, and required to properties 30 years or more.
The benefit to the insurance company is, obviously, reduced loss risk on homeowner’s insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.




What does a 4-Point Insurance inspection cover?


Your Four Point Inspection covers the components required by the insurance companies, and because we work with basically all insurance providers, we know the information they are looking for: - Roof - Electrical - HVAC system - Plumbing




Will my insurance company pay for the inspection?


No.

Insurance Companies no longer carry out their own visual inspections and defer to professional inspectors to do this. Our comprehensive 4 Point Inspection covers everything your Insurance Company needs to properly quote and cover your home.

We tell the insurance providers if you have made any upgrades to your house, for you to save money in your policy and to protect the upgrades; we will make sure your coverage is up to date.





The Wind Mitigation Assessment documents wind-related construction features and determines opportunities for insurance premium savings if adding wind resistive construction features. Uses state form OIR-B1-1802.
 

You can probably save money with a Wind Mitigation Assessment.

The Windstorm portion of your homeowner's policy can be between 20 and 70 percent of your total premium! With a Wind Mitigation report, you may gain significant savings in this area of your Homeowners Insurance. Please check with your insurance provider and ask them if you have an opportunity to get a policy discount in case your house has the wind mitigation design features. Most homes built after 2003 already qualify for that discount, but you need to provide the inspection report.

 

Building design and installation features that reduce wind damage include better-designed roof shingles, stronger roof construction, hurricane clips/straps, hurricane resistant windows or shutter protection for windows, roof shape, and other construction techniques.

 

"...when Provision Property Services did my Wind Mitigation inspection and I sent the report to my insurance provider, I saved $158 a year on my insurance and it more than paid for the inspection. "   Alex Cranton, Saint Augustine, FL

904-907-0397
904-534-6284

Monday - Saturday
8:00am - 5:00pm

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