Do I need to get a four point inspection for insurance for an older condominium?

Sunday, August 25, 2019

Most insurance companies do not require a four-point inspection to get homeowner’s insurance for an older condominium in Florida. But we have recently done several four-points requested by insurers for townhouse-type condos with a roof directly above the unit. An underwriter for one of Florida’s largest insurers, Citizens Insurance, told us at a 2019 seminar for home inspectors that “we don’t require them for condos because there is such a low rate of claims.” But it’s likely that will gradually change over the next few years.

    Also, see our blog post Frequently Asked Questions (FAQ) About Four-Point Inspections.

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Here’s links to a collection of our other blog posts about INSURANCE:

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

 Why is a fuse box/panel an insurance problem for homebuyers?

 How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

 Do I need a home inspection to get insurance? 

 Is the 4-point insurance inspection strictly pass or fail?

 Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

 Which building permit date is used for the Building Code section of the wind mitigation form? 

 What are the different roof deck attachment discount categories for a wind mitigation inspection?

 What determines the year of a house? 

 What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

 Should I give a copy of the home inspection report to the bank or insurance company? 

 How do I get the hip roof discount for my homeowners windstorm insurance?

 How do I get my home ready for a four point inspection for insurance?

 Can I do my own wind mitigation inspection?  

 Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance? 

• Why does my homeowner's insurance want a four point inspection? 

• What is the wind mitigation inspection for homeowner's insurance? 

 Which water pipes are an insurance problem and possibly uninsurable? 

• Why did I get no discounts or only a small discount from my wind mitigation inspection? 

 Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection? 

• How do I get insurance if my home can't pass a 4-point inspection? 

    Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles. 

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