Back in the "good old days" all you had to do to get insurance was go down to your insurance agent's office and pay your premium. They would issue you a policy and they might swing by your home to get a photo of the front. Not any more! Now you need inspections:
4-Point Inspections: Looks at the 4 major systems of the home - roof, electric, plumbing and heating/air conditioning. We have to document the age and condition of those systems as well as give a life expectancy for the roof. Insurance underwriters require us to provide photographs of those systems to verify our findings.
Wind Mitigation Inspections: We fill out a Florida Department of Insurance Regulation form that tells the insurance underwriters the features of your home that help the home withstand hurricanes. There are 7 questions on the form:
Roof Certification Inspections: This is a form used for manufactured homes or homes that are reaching the 20-year mark. The insurance underwriters want to know the age and life expectancy of your roof. We have to include photographs to verify our findings.