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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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