Tag: point

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).


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:

  1. Roof
  2. Electrical
  3. HVAC System
  4. Plumbing

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


You can be sure of being delighted with your workmanship.


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.


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.


On all of our workmanship, parts and installations.


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.


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.

Mission Viejo Plumbers | Irvine CA Plumbing | Laguna Hills Plumber | Plumbers in Newport Beach | Plumbers serving Tustin | Laguna Niguel Plumbing Contractors | Dove Canyon Plumbing Repairs | Fix Plumbing in Laguna Beach | Aliso Viejo Toilet Repairs | Lake Forest Plumbers | Rancho Santa Margarita Plumbing | Coto de Caza Plumbers | Trabuco Canyon Plumbers | Dana Point CA Plumbing | Capo Beach Water Heaters | Plumbers in San Clemente

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Retail POS Systems #point #of #sale #software #retail


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We take immense pride in caring about our customers, and we’ve done so for nearly two decades. We know that when our customers are successful, we are too, which is why we put so much focus on service before, during, and after a sale.

Real Security with PCI Compliance

PCI compliance is an important security measure that every business processing credit cards and debit cards is required to follow. AccuPOS Point of Sale works seamlessly between you and your merchant service provider, ensuring all required encryption and safeguarding of sensitive cardholder data.

Unlimited support, when you need it

We know our customers’ success means our own, so we put a lot of time and effort into our comprehensive support system. We’re here for you, anytime you need us.

*AccuPOS memberships are required and start at $29 per month. Compare membership plans

1am struggles? No problem

We know your business doesn’t stop when the doors close for the night. In fact, a huge chunk of the work in retail happens after hours. That’s why we’re always a phone call away, even 24 hour emergency support for any late night issues.

Ranked the best, by the best

We’re the only product ever to be endorsed by Sage, and the #1 ranked company on the Quickbooks User Marketplace, 7 years running. Our customers know we’ve got an incredible product, but they also know we back it up with incredible service.

Ready to grow with you

If growth is on your agenda, it’s on ours too. We’ll give you complete support and expert advice, from your first day in the premises to your 20th year. We’ll tailor a POS system that fits you perfectly, and we’ll adjust it as you get bigger. We want you as a partner for life.

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Center Point #center #point #rehab



We Believe

Center Point’s programs promote increased stability, self-reliance, personal productivity and social responsibility. Center Point believes that individuals, families and communities can flourish when the cycles of poverty, illiteracy, abuse, neglect, unemployment, homelessness and crime are interrupted by specialized and effective rehabilitation services.

Our Mission

Center Point’s mission is to provide comprehensive social, educational, vocational, medical, psychological, housing and rehabilitation services to combat social problems such as substance abuse, poverty, unemployment and homelessness.

Center Point offers rehabilitation and treatment services that interrupt the abusive cycles of psychological, social and economic dislocation by providing critical training and support so that individuals and families can claim self-worth and dignity.

Agency Goals

  • To provide a range of cognitive, behavioral and psychosocial skills training aimed at enhancing personal, moral and social responsibility;
  • To develop educational, vocational and interpersonal skills to promote personal and social productivity;
  • To create value-based opportunities which maximize successful pro-social community integration;
  • To improve the quality of life.


The ability to imagine how others feel. In order to develop my empathetic skills I must ask myself, “How would I feel under the same circumstances?”


When I put out the positive effort and energy to begin an action that is likely to help me effect a constructive change in my life.


Working hard in order to achieve a goal worth reaching. Putting out the necessary energy to get what I really want. Effort plus initiative adds up to success in the end.

Open Channel

The ability to communicate my thoughts and feelings in an open, honest way without judgment or censorship. In order to maintain an open channel I must be willing to: 1) totally disclose what I’m thinking and feeling; 2) be receptive to others viewpoints; 3) maintain a self-critical attitude.


When I show care and concern not only for myself but for those around me by being truthful with my feelings and acting responsibly for myself and towards others, I am being supportive. When I care enough for others to confront their destructive behavior.


Start with the realization that I am the cause and not the victim of what happens to me. When I think through and I am accountable for my own actions, I am being responsible.


Finishing what I start. Following through with things until I reach a satisfactory resolution and sense of completion.


The good feeling I have about myself that comes with being responsible, showing integrity and following through.


When I allow myself to rely upon or believe in the integrity of another person, I am being trusting. Allowing others to see who I really am inside and what I usually hide, is a way of showing my trust. The willingness to accept that others care about my life and feelings as they really are.


When I behave in an honest, responsible and accountable manner, I am choosing to live my life with integrity. In order to live my life with integrity, I must develop a keen sense of right and wrong.


The personal quest to find answers to the ultimate questions about life, values, free choice, about meaning, our purpose in life and our connection to the sacred or transcendent. Spirituality is inwardly directed, without doctrine and is unifying rather than dividing.

Moral Courage

Cowardice is worse than violence. We need the moral courage to be honest (in thought, word and deed), to speak the truth to be what we really are, the courage to live honestly within our own means and not dishonestly upon the means of others and to do that which is just, no matter what the cost.


The ability to communicate true feelings, thoughts and intentions in a sincere, straightforward manner without guile, deception or ulterior motive. When I fully disclose the truth, regardless of the consequences, I am being honest.


To act in a manner which is natural, congruent, authentic and without premeditation. When my responses are authentic and balance emotions with ideas and principles, I have spontaneity. Spontaneity is not spontaneous or immediate.


To permit sincere feelings of appreciation and genuine acknowledgement of what we are blessed with and of what others do for us. Gratitude is defined by giving without remembering, receiving without forgetting and remaining humble and unpretentious.


The act of appreciative consideration for the thoughts, feelings and actions of others. Finding something of value in everyone.


Mental attitude harnessing persistent effort. Discipline calls for optimism, confidence, faith, courage, imagination, tolerance, patience and refusing to give up. It is a continuing upward spiral of progress and a willingness to accept the challenge of that which is difficult.


To give or take mutually: To create connections and networks of mutuality where the exchange of tangible goods or intrinsic service is offered and accepted, which create no lenders and no borrowers. In order to reciprocate, one must give more than that which has been received.


The special quality of grace which distinguishes us and forces us to act with dignity, respect and esteem. Honor is the reputable code of behavior by which we act and by which we are judged by others.


To follow a determined course of action to completion; to remember that promises are moral obligations and that responsibility is a duty to be taken seriously. Good thoughts and actions can never produce bad results. The principle of right conduct requires commitments to be fulfilled.

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