Insurance Inspections

We provide both commercial real estate and home insurance inspections. See below for a breakdown of the following inspection services.

Common Insurance Inspections:

The Roof Condition Certification Inspection

insurance inspectionsThis real estate inspection is also referred to as the standard Citizens Roof Condition Certification. This report is used to establish the type of roofing material used, the approximate age of the roof, and its remaining potential service life. Insurance companies use these criteria to value the deterioration and determine if any repairs are necessary. Roofing repairs not dealt with immediately can raise safety concerns once the structure is affected, and can also quickly lead to other costly repairs. LEMCO Inspections will help you meet all of your roofing needs for insurance, loan or maintenance purposes.

Mobile Home Tie-Down Inspection

Tie-downs are systems of straps and anchors designed to stabilize mobile homes, also known as manufactured homes. Failure to properly install and maintain the tie-downs on a mobile home reduces its ability to resist sliding and overturning. If you want to get a home loan, we can evaluate your mobile home’s tie-downs and anchoring according to Florida’s specifications so that you can satisfy the tie-down inspection requirements of the loan. Mobile home tie-downs must be inspected to ensure that they meet the weight limits required by Florida law. A mobile home tie-down inspection is also required if you want to relocate a manufactured home. Used mobile homes should be checked regularly for deterioration, especially before hurricane season. Click here to learn more about mobile home tie-downs.

The Wind Loss Mitigation Verification Inspection

Florida Statute 626.0629 requires insurance companies to offer Florida homeowners “discounts, credits, or other rate differentials” for construction techniques that reduce damage and loss in windstorms. The Wind Loss Mitigation Verification Inspection will determine if you are qualified for a discount off your homeowner’s insurance policy. The home inspector will evaluate all of the typical construction features that reduce wind damage and loss, including roof-deck attachment, secondary water resistance, roof shape, bracing of gable ends, protection of openings, roof-to-wall connection, roof covering, doors and windows.

The 4 Point Inspection

This property inspection analyzes the following four systems: roofing, electrical, plumbing, and HVAC (Heat, Ventilation & Air Conditioning). This type of inspection is also sometimes referred to as the Citizens 4 Point Inspection or the Tower Hill 4 Point Inspection. The criteria for this real estate analysis, used to judge the condition of the four main systems, are the same as the criteria used by most insurance companies. The inspector will evaluate the current operating conditions, scheduled maintenance requirements, and expected service life of each of the four points.