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Home Inspection Martin & Palm Beach Florida
Home Inspection, for Insurance Agencies


Home Inspections for Insurance agencies & home owners in Jupiter, Hobe Sound, Port Saint Lucie & Stuart.
Call today to find out more about our home inspection services in West Palm Beach & Palm Beach


Home Inspections for Insurance agencies & home owners in Jupiter, Hobe Sound & Stuart

772-486-2895

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TOTAL HOME INSPECTIONS -

Home Inspection Service in Jupiter, Hobe Sound & Stuart Florida home inspections for Insurance agencies & home owners

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WHY YOU NEED A PROFESSIONAL HOME INSPECTION

The owner and main inspector Brian Embick has been in the home construction industry and inspections for over 30 years. Brian is Florida Licensed in multiple trades and has unmatched experience and knowledge among others when it comes to residential dwellings. Customer’s satisfaction has always been a top priority for Total Home Inspections and we take pride in a strong work ethic and compelling integrity.

Total Home Inspections offers flexible hours and weekend appointments in order to meet the customer needs. Detailed reports are made available within 24 hours.

This brief guide - prepared with the cooperation of your Florida insurance agents representing major companies writing homeowners and landlord's insurance in Palm Beach and Martin County with the intent of assist interested parties in identifying and understanding some of the problems identified by insurance agents as commonly triggering increased premiums or difficulty in obtaining insurance in our market.

This is not intended as a complete list, not all of these possible issues will be relevant to every property, and not every insurance company will view a given potential issue the same way. But every one of the problems listed them is likely to be spotted during an insurance company's exterior "field underwriting inspection" or be picked up a on a standard insurance application. By having some ability to spot such problems early-on inspectors and other real estate professionals can help prevent surprises

(1) Roof condition
(2) Ivy and other climbing plants
(3) Missing or damaged stairs or railings
(4) Frame buildings in close proximity to other structures
(5) Adjacent empty lots or deteriorated or vacant structures
(6) EIFS or Dryvit "synthetic stucco" over frame construction
(7) Older electrical systems, even if in "good condition"
(8) Knob and Tube wiring
(9) Recent major upgrades
(10) Pre-1900, construction

 

Realtors looking for home inspection services in Wet Palm Beach, Jupiter, Hobe Sound, Stuart & Port Saint Lucie

Welcome Real Estate Professionals!

As a real estate professional, your business reputation depends on referrals of the highest calibre. Whether you are an agent or a broker, lender, appraiser, builder or real estate attorney, your Clients often look to you for recommendations on who they should hire to conduct their home inspection. This is why you may want to choose to refer Total Home Inspection, as your home inspection represetative! By directing your Clientele to our professional service and expert technical knowledge at Total Home Inspecton, you can rest assured that you have provided your clients with the key to making an informed purchase decision. Your Clients will be better educated about the condition of the home they are considering, leading to more awareness of required maintenance, and upcoming budgetary concerns. This enhances you in your role as a trusted resource to your clients, resulting in long term confidence and loyalty when referring your services to their friends. Total Home Inspecton follow the Standards of Practice and Code of Ethics mandated and adhere to strict continuing education requirements to remain, the leaders in their profession.

 

1) Roof condition

Insurance companies have become very risk adverse with regard to potential water damage (see the section on CLUE reports below). Roofs which are worn, damaged or otherwise obviously near end of their useful lives or are likely to be leaking were the problem most frequently cited by insurance agents as a potential underwriting issue. Many insurance companies will decline to write a policy on this property, or will require roof replacement, and some may require an interior inspection for water damage.

2) Ivy and other climbing plants

Ivy and similar plant materials covering buildings are a problem not only because plant growth can block gutters, downspouts and drains, but because such plant growth retain can moisture around wood trim surrounding windows and doors. Plant growth can also speed the deterioration of wooden structural members such as ledgers, support posts, decks, stairs and railings, and plant material adds to the difficulty of routine inspection of such areas for water or structural damage.
Plant growth can also cause "roofing" problems, for example in the case of a flat roofed buildings by retaining moisture against the parapets (the low walls above the roof) and by encouraging water entry under the cap material protecting the top of the brick walls.

Some insurance companies may require that such growth be cut back, and may require interior inspection for possible water damage.

3) Missing or damaged stairs or railings

Insurance company inspections may not note subtle code violations such as stair trend height, but they generally will catch obvious deficiencies. One problem that was mentioned by several agents we surveyed were stairs built without required rails or guards , or missing stairs that had never been installed or had been removed or not replaced.

4) Frame buildings in close proximity to other structures

Frame buildings in close proximity to other structures Frame buildings closer than 10 feet to other structures can be an underwriting problem, especially in dense urban areas). The concern here is fire spread. One agent writing business in Chicago noted that only two of the companies he represented would currently write such policies.

5) Adjacent empty lots or deteriorated or vacant structures

Adjacent empty lots or deteriorated or vacant structures, especially burnt out units on the same block in urban areas. Such concerns are increasing as a result of foreclosures.

6) EIFS or Dryvit "synthetic stucco" over frame construction

Non-specialists cannot be expected to identify such material visually, but if you see a "stucco" exterior on a structure built after 1976, and especially after 1990, there is a good chance it is a synthetic stucco product. If it can be determined from another source - for example and an owner or builder - that it is likely a synthetic stucco product, you need to be aware of possible insurance issues. If such materials are not properly installed and maintained even small holes or cracks can admit enough water to create extensive water damage behind the exterior surface. Obtaining insurance for houses with such exteriors can be extremely difficult; many companies simply will not write it, and those that do usually require high deductibles, high premiums, or both.

EIFS and similar materials should be identified by a home inspector, and will be identified by an insurance company's "Field Underwriting" Inspection, and every insurance agent we surveyed identified a property with synthetic stucco is a "red flag" that there may problems obtaining insurance.

6) EIFS or Dryvit "synthetic stucco" over frame construction

Non-specialists cannot be expected to identify such material visually, but if you see a "stucco" exterior on a structure built after 1976, and especially after 1990, there is a good chance it is a synthetic stucco product. If it can be determined from another source - for example and an owner or builder - that it is likely a synthetic stucco product, you need to be aware of possible insurance issues. If such materials are not properly installed and maintained even small holes or cracks can admit enough water to create extensive water damage behind the exterior surface. Obtaining insurance for houses with such exteriors can be extremely difficult; many companies simply will not write it, and those that do usually require high deductibles, high premiums, or both.

EIFS and similar materials should be identified by a home inspector, and will be identified by an insurance company's "Field Underwriting" Inspection, and every insurance agent we surveyed identified a property with synthetic stucco is a "red flag" that there may problems obtaining insurance.

7) Older electrical systems, even if in "good" condition"

Older electrical systems were the interior problem most often mentioned by agents. For many insurance companies any electrical service of less than 100A is suspect, even if it uses circuit breakers rather than fuses. In most cases when written information about an upgraded electrical service panel is available to real estate professionals it will indicate that the service is not a problem - if the seller can demonstrate that the service has been recently updated and then inspected by the local building department, it will usually be to a circuit breaker based service of at least the minimum size required by insurance companies for that type of dwelling.

8) Knob and Tube wiring

Insurance agents frequently mentioned Knob and Tube (K&T) wiring as a red flag for insurance companies. K&T, found in houses build prior to 1940, consists of black fabric-covered wiring supported by white porcelain insulators. Often portions of the original K&T wiring have been replaced with more modern materials. When K&T wiring is present many insurers require inspection by a electrician, or partial or complete replacement of the K&T wiring.

9) Recent major upgrades

If an applicant for insurance states that there has been recent updating of items such as electrical, plumbing, HVAC (Heating / Ventilating/ Air Conditioning) systems, new roofs, or basement waterproofing or foundation crack sealing, some companies may request to review receipts for the repairs, and require that the work has been performed by a "licensed contractor".

10) Pre-1900 construction

For pre-1900 construction some companies expect to see major updating of all major systems such as electrical, plumbing, HVAC and roofing.

Because insurance companies may require documentation of upgrades, real estate professions can speed the application and underwriting process by encouraging sellers to locate such materials, and request copies of missing invoices from contractors if required, early on in the transaction. It's also useful to home inspectors if manuals for furnaces, central AC, water heaters and the like are available at the time of inspection, as these often list the manufacture's requirements for power, venting, and the like.

Having your new home professionally inspected by Total Home Inspection Service, Total Home Inspections, can save you thousands of dollars on items which can be negotiated on closing.

Total Home Inspections is dedicated to providing you with information about your new home. Total Home Inspections thoroughly inspects all major components of the property to expose unknown defects and advise you about future maintenance.

Total Home Inspections Qualifications

Our team of inspectors have years of experience in performing inspections that exceed the highest standards of practice in the industry today, we can make your inspection process a comfortable one. All home inspectors at Total Home Inspections are certified and registered professional  inspectors that are required to attend educational seminars to maintain their credentials. Our roofing, air conditioning, mold and pest control contractors are all state licensed & insured.


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9136 SE Apollo Street Hobe Sound, FL 33455 • Phone:772-486-2895
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