Buying a home is probably the biggest investment you will make in your lifetime. The more informed you are about the condition of the property the more you will minimize surprises afterward. No one wants to buy the "Money Pit", a Home Inspection isn't fail proof but a Home Inspection will give you a very good understanding of the property before you move past the inspection period.
A home inspection isn't just about what's wrong with the property, it also points out the positive aspects of a home, as well as the maintenance that is necessary to keep it in good condition. As a home owner, a home inspection might identify problems in the making to prevent future repairs. If you are selling your home, an inspection can give you a better understanding of items that might require repair to put the house in better selling condition.
When you choose an inspector, ask how many years they have been in the business, ask for references, and exactly what is included in the inspection. An experienced Home Inspector knows the community very well and has probably seen most possible occurrences in their time, experience is key! So don't just go by price.
Roof Inspection is usually requested by the Homeowners Insurance.
Why do they ask for it?
Insurance wants to make sure they limit their liability.
What are they looking for?
The Homeowners Insurance wants to know if the roof is in good condition and what the life expectancy of the roof is.
Tile roofs usually last between 20-25 years.
Shingle roofs last between 15-20 years.
Flat Built Up Roofs last between 10-15 years.
"3" is the magic number, but why?
If a weather event blows through and damages your home, there will be substantial damage if there is a failing roofing system. A roof with 3 years or less of remaining useful life, is not a strong roof that can sustain weather events.
What happens if the roof has 3 years or less of remaining life?
Insurance companies can either drop you as a client or request that you replace the roof.
Infinity Home Inspections specializes in Roof Inspections. We have the most experience dealing with roofing systems do to the extensive roof training. Have your roof reviewed periodically, not just for your insurance company. It is the first line of protection for your home.
Wether you are buying a new home or have been in your home for several years, it's a good idea to consult your homeowner insurance agent and find out if you are receiving any discounts.
Your home has certain features that qualify the home for discounts from those expensive home insurance premiums.
Is your front door hurricane rated and does it swing outward?
Does your homes windows have any protection against high winds?
How old is your roof?
What dimension is your roof?
Do you have hurricane straps?
Are the nails that secure your roof to the trusses properly spaced?
Some of these questions are easy to answer, others require a trained certified home inspector to review.
These questions mentioned above are part of a Wind Mitigation inspection and could qualify the policy of your home for a 20% discount.
A second Inspection requested by insurance companies is a 4 Point Inspection. We will discuss that a bit later but this inspection qualifies the policy for another 20% discount. Thats 40% discount total from your two Insurance Inspections.
Call Infinity Home Inspections 786-400-0570 for all your Insurance inspection needs.
There are some local programs that are helping Florida Homeowners upgrade certain features of their home to make them more efficient.
There re are two companies offering some interesting tools to homeowners, YgeneWorks and Renew Financial.
The following categories are eligeble for these programs:
The program allows you to upgrade your home to make it more energy efficient in any of the above mentioned categories.
These se companies offer 100% Financing based on your homes loan to value, not based on your credit. They do review your credit report and essentially are looking to see that you are Current with your mortgage, the home hasn't been in foreclosure recently and you haven't had a recent bankruptcy filing. Please contact each company for the fine print. If you are a homeowner, making regular payments and you need a new roof, go to their website and get going. They approve you very quickly.
Upgrade de your home with hurricane impact windows, install artificial turf or get a new energy efficient air conditioning system. All these upgrades are standard South Florida necessities. Ok, the artificial turf might not be a necessity but you save on water and lawn maintenance.
There is a saving benefit for homeowners as well. If you upgrade your roof or windows, contact Infinity Home Inspections 786-400-0570, we will do a Wind Mitigation report for $90.00 and submit it to your insurance company and you can qualify for up to 20% discount on your homeowners insurance policy. That can total $1,000.00 per year or more depending on your current premiums.
They only work with approved contractors!
Here re are the links:
Certified Home Inspector.