Four Point Insurance Inspections by Kross Inspectors #four #point, #wind #mitigation, #home #inspection, #real
Four Point Insurance Inspections
Update from Citizens Insurance Effective 9/1/2012:
As the leader of the Home Inspection Industry in Florida, Kross Inspectors has performed thousands of Four Point Inspections which have been accepted by Citizens Insurance and many other Insurance companies when underwriting older homes. In this article, we will briefly review the requirements issued by Citizens Insurance for ALL new policy issues effective 9/1/2012 (these requirements will go into effect for renewing policies on 10/1/2012):
- A Four Point Insurance Inspection MUST be submitted with all applications for homes more than 30 years old (Previously this requirement was for homes more than 50 years old.)
- Updated Plumbing Rules; properties with the following conditions ARE NOT eligible for coverage with Citizens Insurance: Signs of active leaks or unrepaired water damage, plumbing systems not in good working order, and the presence of polybutylene plumbing.
- Updated Electrical Rules: Requirements for remediation of aluminum branch circuit wiring have been added. Electrical service of less than 100 amps are NOT eligible for coverage (exceptions may be made for mobile homes under certain circumstances and additional review by an electrician).
HISTORY OF THE FOUR POINT INSURANCE INSPECTION:
The Four Point Insurance Inspection was created after Hurricane Andrew struck Florida in 1992. It is performed on behalf of the insurance companies and, typically, as a requirement for the insurer offering insurance to the new homeowner. After recent year’s barrage of hurricanes in Florida, the Four Point Insurance Inspection has taken on added importance. As insurance companies are beginning to see the benefit of the inspection, the program is spreading to other areas of the country. The benefit to the insurance company is, obviously, reduced loss risk on homeowners insurance policies. This is an area of business that has, for many years, been a money loser for insurance companies.
In 2002, the Florida Legislature passed a law that combined the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). This resulted in the creation of Citizens Property Insurance Corporation (Citizens), which more efficiently and effectively provides insurance to, and serves the needs of, homeowners in high risk areas and others who cannot find coverage in the open, private insurance market. It is funded by premiums paid by the insured and from other insurance companies paying into the program to reduce their overall losses.
The Four Point Insurance Inspection consists of a visual survey of the following four primary components:
- HVAC System
The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:
Current operating conditions Scheduled maintenance requirements Expected service life
Not all insurance companies require a Four Point Insurance Inspection and most typically only require it of homes older than 20 years upon issuance or renewal of a homeowner’s insurance policy. Please consult with your Insurance Agent prior to ordering a Four Point Insurance Inspection.
Appointments available with only 24 hours notice. Please call (877) 496-4662 (staff available daily from 8am-8pm).
You may also complete the short form below to schedule your Four Point Insurance Inspection.
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South Orange County Plumbers – DC Plumbing, Heating and AC #dc #plumbing, #plumber #san
For trusted plumbing, heating and air conditioning service and installations in Southern California you’ll be delighted with the 100% satisfaction guarantee you receive from DC Plumbing, Heating and Air Conditioning. We are your LOCAL service solution, committed to our community, and trusted by thousands of homes, businesses and property managers from Irvine to Mission Viejo; even providing the beach and park maintenance division plumbing for the City of San Clemente.
Discover the DC Plumbing, Heating and Air Conditioning difference for yourself
1. 100% SATISFACTION GUARANTEED
You can be sure of being delighted with your workmanship.
2. PROFESSIONAL PLUMBING, HEATING AIR CONDITIONING
With almost 20 years serving Southern California, you can be sure of expert technicians, experienced in their field, providing you professional home and business solutions.
3. CARE AND ATTENTION
It’s the small details that make the difference – the attention to detail in our workmanship, being friendly and polite, turning up on-time when it’s most convenient for YOU, being presentable, wearing foot covers, leaving your home or business as tidy as we found it. We want you to be so over the moon with your service that you tell all your friends and family how we took care of your repair or installation.
4. AMAZING WARRANTIES
On all of our workmanship, parts and installations.
5. UP-FRONT PRICING
For total peace of mind, you always know the full price up-front. It’s your assurance of no surprises and being in a position to make an informed choice. For any problem there is often more than one solution, and your friendly technician will be able to explain the various options and choices that you have to solve it – the choice is always yours.
6. TRUSTED AND RESPONSIBLE
When you choose DC Plumbing, Heating and Air Conditioning you are choosing a trusted local Southern California company. We are based in the area – we live in the area, our kids go school in the area, we are your neighbors. We’re not a franchise, we’re don’t have a call center in another state, we’re not sending trucks from an hour away. Our local reputation is everything – the DC stands for Dave Colbert, and when you choose DC Plumbing, Heating, Air Conditioning you can be absolutely sure that if you ever weren’t 100% satisfied that you can speak with me personally. You can have total peace of mind that you will be looked after.
For all your plumbing, heating and air conditioning needs in Southern California you will not find another company more committed to making sure you’re delighted with the results. Call us today, 24 hours, at 949-441-5022.
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