Wind Mitigation & 4 Point Inspections: What’s The Difference?
Wind Mitigation and 4 Point Inspections are both insurance inspections in the State of Florida. However, there are key differences in their intended purposes. A wind mitigation inspection gives homeowners insurance discounts based on certain building attributes. A 4 point inspection help homeowners obtain insurance by reporting the condition of the HVAC, electrical, plumbing, and […]
Current Issues With Florida Roof Insurance & Claims
On this Waypoint Real Talk Podcast, John Shishilla, owner at Honor Services talks about a new proposed Florida bill that affects all Florida homeowners. Listen To The Full Podcast [powerpress] What are the Current Issues With Florida Insurance Claims? Today, a large number of homeowners have roofing contractors on their doorstep after a storm looking […]
Everything You Need To Know About Knob-and-Tube Wiring
What is Knob-and-Tube Wiring? (K&T) Knob and Tube wiring is cloth wiring that runs through “knobs”, which are the white ceramic cylindrical holders, and “tubes” that protect wiring through the wood it runs through. This type of wiring was commonly installed from the 1880s to the 1940s. Today, Knob and tube wiring isn’t inherently dangerous, […]
What Is A Four Point Inspection?
When obtaining home insurance in Florida you may come across the four point inspection. A four-point inspection is a critical aspect of home insurance as it tells the insurance company the kind of liability they are taking on before they insure your home. So what exactly is the four point inspection? How much does it […]
What Are Florida Wind Mitigation Requirements?
What exactly are the Florida Wind Mitigation Requirements and how to do you ensure your home is up to “code”? What is The Wind Mitigation? The Florida Wind Mitigation, also known as, the Florida Uniform Wind Mitigation Report, is a standard form that is made up of 7 questions. Each question is a chance to […]
What Are Hurricane Clips For Wind Mitigation?
Hurricane clips are a type of structural attachment in homes that are an available discount on the Florida Wind Mitigation Inspection. In fact, they are often the most sought after discount on the Wind Mitigation since it provides the most savings! Classification Of A Clip There are specifications for clips within the Wind Mitigation Report. […]
Cast Iron Drains – Sewer Plumbing Problems & Costs
Cast Iron Background Cast Iron drains were commonly installed before the 1970’s. During this time, cast iron was said to be a 50 year life-span, however, with many slab-on-grade homes the life can be limited to as soon as 25 years of life. Ultimately, today, cast iron drain lines are reaching their life expectancy. It’s […]
Fuse Boxes: Is it Safe, Insurance, & Explanation
Fuse boxes were commonly installed before the 1960’s, however, the majority of homes have since had their electrical updated since then. That being said, most fuse boxes have been replaced. However, there are still fuse boxes out there and it is important you understand how they function, how to maintain, and if you should replace […]
How Long Does a Roof Last? Florida Shingle Roof Lifespan
How long will your roof last in Florida? (Asphalt Shingle) Today, we will take a deep dive into two main types of roofing material to find out life expectancy and roof lifespan. Those two types of roofing materials are: the three-tab asphalt shingle roof and the architectural/dimensional asphalt shingle. Three-Tab Shingles Lifespan Identification The three-tab […]
Cloth Covered Wires: Fire Hazards, Insurance, & Repair Cost
Cloth covered wires in homes were typically installed in homes from 1920’s to the 1960’s. Cloth covered wiring is still prevalent in today’s homes when homeowners are unaware of the fire hazards or already have insurance on the home. On the other hand, cloth will need to be replaced during a home sale process. What […]
