Purchasing a home is a big investment and the process of shopping around for the right house can be exhausting. That's why when you've found one that checks off many of your boxes it can be easy to overlook its flaws. There are flaws that are perfectly okay to overlook - like not liking the color of a room for example - but there are some that shouldn't be ignored.
In this final post about the finer points of 4 point inspections, you'll learn more about your HVAC system and what the inspector will look for during the inspection. Outdated or poorly installed HVAC systems can lead to devastating and expensive consequences, consequences that insurance companies would rather avoid. That's why HVAC is one of the points of a 4 point inspection.
Water damage is one of the most common claims that insurance companies have to deal with, so it's no surprise that they want to evaluate the plumbing before offering you that homeowners insurance. Not only is water damage common, it's also very costly to fix. It doesn't help that the many issues with the plumbing are difficult to spot until they become serious. A 4 point inspection can spot potential problems before they get too out of hand.
We often get customers wondering what the most common problems found during home inspections are, especially those who are in the process of buying a home. Should they be worried about their inspection? Is it going to uncover some major issue that will derail the whole deal? It's easy to get attached to a home, even before you buy it, but not knowing about potential issues is always worse than knowing. Here are 5 common problems found during home inspections.
Owning a home is expensive. Between the down payment, the mortgage, and homeowners insurance you're already down a big portion of your income. There are ways to save some money here though. One of the best ways to save on your homeowners insurance is with wind mitigation credits. So, what are these wind mitigation credits and how do you get them?
Insurance companies are known to be risk averse. They have to be or else they would hemorrhage money. What does that mean for you as a potential homeowner? It means that in order to get the best deal on your homeowners insurance —or to get it at all— you need to be wary of houses with liabilities. There are few greater liabilities than a faulty electrical system as while fires are not the most common type of claim, they are by far the most expensive.
With less than a month to go before the official start of Hurricane Season homeowners are scrambling to prepare. If you've lived here in Florida for any amount of time you're scrambling too because you know how serious these storms can be. Yes, there's not much longer to go but it's never too late—or too early, for that matter—to start preparing.
This is a question we hear a lot. You might not know all of the intricate details of the electrical system, but you know that aluminum wiring is bad news. Why is that? Will it affect your chances of getting homeowners insurance? Will it raise your rates? Let's answer all of these questions and get to the bottom of the aluminum wiring issue.
There are too many good people who have found the "perfect" house, hastily signed a contract, and ended up thousands of dollars in the hole just to make it livable. The truth is that what you see isn't always what you get. You may love the color of that paint, but did you know that there could be dangerous lead lurking just underneath? That's just one example of the invisible dangers that could be present in an otherwise attractive house.
4 point inspections are not as comprehensive as full home inspections but they do have some unique benefits. They are often requested by insurance companies before home purchases in order to make sure that the home you're buying, the one that they have to insure, isn't going to be a huge liability. In turn a good report can easily lead to savings on your homeowners insurance as it shows that you're less of a risk.