Mitigation inspection reports are written in a clear, concise and informative manner. Each customized report is written in a narrative format allowing us to clearly explain defects or repairs, make suggestions and even provide positive information about the home.
Defects documented within the report include color photographs with arrows and call out boxes that provide you with a clear explanation of the areas of concern. Each report also includes a Summary Section of noted repairs at the end of the report. Budgetary cost estimates of noted deficiencies are also provided for your convenience.
Quality Home Inspections are performed by a Professional in Miami Homestead. You will receive a type written narrative Summary Report detailing our findings. Areas of concern will be noted and cost estimates for significant repairs or replacements will be included in the report to help you evaluate the property.
The purpose of our Reliable Standard Home Inspection is to find any evidence of physical problems in the home. Some things are obvious in every home but we look for evidence of hidden problems. The kind that other home inspection companies might miss.
Our Reliable Standard Home Inspection Checklist contains over 200 items that should be thoroughly inspected in a typical home. Our Standard Home Inspection covers more than is what is required by ASHI, FABI or NABIE inspection standards. We look for broken or worn out equipment, improper construction materials, substandard workmanship, inadequate engineering design, water leaks, moisture and mold problems and structural damage from termites, wood rot or other wood boring insects.
As we go through our Home Inspection Checklist we encourage your presence and participation. This will not only help you in understanding our findings but give you the opportunity to ask questions. We want you to feel comfortable asking any question and to be completely satisfied with all of our answers.
The completion of the Reliable Home Inspection Checklist is only the start of our Standard Home Inspection. Any items that were noted to be deficient are then evaluated and thoroughly discussed with our clients. We explain what we find and what impact these items may have. We explain to our clients, the repair or replacement costs that may be involved.
Reliable Home Inspection Reports from many other home inspection companies are either short, hand written carbon pages or simple on-site computer printed checklists with little detail. You won’t get short changed with us!
Our professionally written narrative reports take time to prepare. After we verbally go over everything with you on the job site, we deliver your final type written report to you via fax or e-mail within 24 hours after our home inspection is complete. Our reports are complete with cost estimates, photos, and recommendations and easy to understand explanations!
5 REASONS YOU SHOULDN’T SKIP A MITIGATION HOME INSPECTION IN MIAMI HOMESTEAD
After your offer to buy a home enters into contract, the process of near-endless check writing begins. There are many necessary costs, such as realtor and lawyer fees, and the total of these expenses may have you looking for ways to save money elsewhere. You may be tempted to skip the home inspection and its $200 to $500 invoice, but there are 10 good reasons why you should get one.
It Provides an “Out” Sample Reliable Mitigation Home Inspection
A quality home inspection can reveal critical information about the condition of a home and its systems. This makes the buyer aware of what costs, repairs and maintenance the home may require immediately, and over time. If a buyer isn’t comfortable with the findings of the home inspection, it usually presents one last opportunity to back out of the offer to buy. (This step is important when purchasing a property because it may save you thousands.
Safety Reliable Mitigation Home Inspection Miami Homestead
A reliable home inspection can detect safety issues like radon, carbon monoxide, and mold, which all homes should be tested for. Make sure that your home-buying contract states that should such hazards be detected, you have the option to cancel the offer to buy.
Reveal Illegal Additions or Installations Mitigation Reliable Home Inspection Miami Homestead
A home inspection can reveal whether rooms, altered garages or basements were completed without a proper permit, or did not follow code, according to Chantay Bridges of Clear Choice Realty & Associates. “If a house has illegal room additions that are un-permitted, it affects the insurance, taxes, usability and most of all the overall value.
In essence, a buyer is purchasing something that legally does not exist,” she explains. Even new homes with systems that were not installed to code will become the new homeowners’ financial “problem” to fix (and finance).
Protection Reliable Mitigation Home Inspection Miami Homestead
Home inspections are even more critical if you are buying an “as-is” foreclosed property or short sale. Dwellings that have been boarded often develop hazardous mold problems, which are costly to remedy and pose health concerns. Greg Haskett, VP of shared services at HomeTeam Inspection Service says it’s common for home inspectors to find that copper plumbing lines and outdoor compressors have been removed from foreclosed properties by people trying to sell copper to recyclers for money.
Negotiating Tool Sample Reliable Home Inspection Miami Homestead
Realtor Jennifer De Vivo of Orlando-based De Vivo Realty says the home inspection report presents an opportunity to ask for repairs and/or request a price reduction or credit from the seller. Work with your realtor to understand what requests can and should be made to negotiate a better deal.
WHAT A HOME INSPECTION EXAMINES RELIABLE HOME INSPECTION MIAMI HOMESTEAD
Inspectors vary in experience, ability and thoroughness, but a good inspector should examine certain components of the home you
want to purchase and then produce a report covering his or her findings. The typical inspection lasts two to three hours and you should be present for the inspection to get a firsthand explanation of the inspector’s findings and, if necessary, ask questions. Also, any problems the inspector uncovers will make more sense if you see them in person instead of relying solely on the snapshot photos in the report.
The inspector should note:
whether each problem is a safety issue, major defect, or minor defect
which items need replacement and which should be repaired or serviced
items that are suitable for now but that should be monitored closely
A really great inspector will even tell you about routine maintenance that should be performed, which can be a great help if you are a first-time homebuyer.
While it is impossible to list everything an inspector could possibly check for, the following list will give you a general idea of what to expect.
HOW CAN A WIND MITIGATION INSPECTION SAVE YOU ON INSURANCE IN MIAMI HOMESTEAD?
Wind Mitigation Inspection – How can this save me on my homeowners insurance?
If you live in a coastal state, you’ve probably heard of Wind Mitigation Insurance. If you’re a Florida resident, especially – that peninsular state sprawling into the Atlantic and Gulf, flirting with tropical storms and hurricanes every summer and fall – almost assuredly you’re familiar. And if you’re not, you might want to reconsider the significant savings a home inspection may offer, should nature’s fury unleash.
Many property owners receive wind mitigation inspections to assess the preparedness of their homes and businesses in resisting the effects of windstorm damage or loss. Interestingly, even in Florida, wind mitigation inspections are not required by insurance companies or mortgage lenders – it’s totally optional, unlike some derivative of the four-point home inspection (which assesses the status of a property’s electrical, HVAC, and plumbing systems plus the roofing) or a more intensive roof condition inspection. So why would someone want to order an extra inspection if it isn’t 100% needed? Because it could save you money!
That’s right – SAVE YOU MONEY. Wind Mitigation Insurance is the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium.
Here’s a rundown on why – Following an intensely active tropical storm season and resulting all-out battery on the US, a handful of insurance companies not-surprisingly went bankrupt over mounting claim and reparation costs. Officials in states like Florida and Louisiana, hard hit by strong storms like 2004’s Charley and Ivan and 2005’s Katrina and Rita, saw an exodus of insurance companies and homeowners left high and not-so dry. They knew they needed to do something to help property owners and insurance companies alike… FAST.
Their solution: Incentivizing wind mitigation inspections as a means of properly safeguarding properties in targeted areas, in the hopes that insurance companies increase their odds of insuring more secure, less damage-susceptible properties.
In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a board-certified contractor, architect or engineer) with the Multiple other coastal states including Lousiana, followed similar suit.
So you’re wondering – Do I just get an inspection and save on insurance? And how much could a person stand to save?
Well, that all depends on the features of your property. An inspector will evaluate the wind-mitigating characteristics of your home or business. Post-inspection, that inspector will make recommendations for any improvements or repairs the property owner could make on their home to enhance its sustainability against windstorm damage.
He or she then submits a state-standard inspection report to your insurance agency. The report is viewed as a benchmark of your home’s ability to withstand storm damage, and an appropriate discount is then applied – in Florida, an average discount of 30% is typical, saving a few hundred to over $1000 annually on your insurance premium.
Every state can vary on what safety features inspectors look for. As an example, Florida looks at 8 key categories, described below:
Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2001.
Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the wraps single or double? The more secure your roof, the better impact on your wallet!
Roof Geometry: is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a plywood-only frame and plastic siding.
Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area.
Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.
In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per
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