Quick Reference Guide to Obtain Home & Flood Insurance
Inspections needed:
| Home is 25 years old or older |
4 Point Inspection
|
| Home is built in 2001 or earlier |
Wind Mitigation
|
| Homes in Flood zones: A, AE, V, VE |
Elevation Certificate
|
Concerns To Be Aware Of
- Heating & A/C:
- No hazards or deficiencies.
- No portable heaters or space heaters.
- Air conditioner’s maximum age should be 20 years old.
- Roof:
- Underwriters may allow up to 30 days (14 days during Hurricane Season) after closing for roof replacement.
- Roof needs 4-5 years of life expectancy. No leaks debris allowed on the roof.
- Trees and brush cannot be in contact with the roof covering.
- Electrical:
- No deficiencies or hazards.
- Aluminum wiring: 110 volts single strand requires remediation.
- Panels with concerns: Syvania, Zinsco, Federal Pacific, Challenger
- Plumbing:
- No leaks or deficiencies.
- Polybutylene is not accepted by most carriers.