Full Home Inspection – Performed for a home buyer to determine a home’s general condition. Frequently home buyers use a home buying inspection to negotiate price concessions from the seller, often times saving enough money on the purchase price of the home to more than compensate for the price of the home inspection. Pre-Sale Home Inspection – Sometimes referred to as a sellers or listers home ins
pection and performed for a home seller to evaluate areas of a home that may need to be repaired or updated. Following are some of the systems and components (“items”) that are inspected and reported on during the course of our inspection. These items are examined for material defects that would significantly affect the value, desirability, or safety of the home:
Full Inspections include:
• Roof, vents, flashings, and trim.
• Gutters and downspouts.
• Skylight, chimney and other roof penetrations.
• Decks, stoops, porches, walkways, and railings.
• Eaves, soffit and fascia.
• Grading and drainage.
• Basement, foundation and crawlspace.
• Water penetration and foundation movement.
• Heating systems.
• Cooling systems.
• Main water shut off valves.
• Water heating system.
• Interior plumbing fixtures and faucets.
• Drainage sump pumps with accessible floats.
• Electrical service line and meter box.
• Main disconnect and service amperage.
• Electrical panels, breakers and fuses.
• Grounding and bonding.
• GFCI’s and AFCI’s.
• Fireplace damper door and hearth.
• Insulation and ventilation.
• Garage doors, safety sensors, and openers. The inspection will take you from the foundation to the roof top. MEGA HOME INSPECTIONS will reveal conditions that could help you avoid costly repairs. Our inspectors also address questions you may have and will distinguish between items that need to be repaired or replaced, areas that may need routine maintenance, and items that may need immediate attention at the time of the inspection. Once we’ve completed the inspection, the home inspection report will follow directly, usually within 24 hours. Our detailed narrative report, which includes photos, takes the guess work out of reading an inspection report, making it easier for you to better understand the condition of the home and assist you in your purchase decision. Four Point Inspection or Insurance Inspection – are inspections covering the roof, plumbing, electrical, & HVAC systems of the home for insurance purposes. Many insurance companies require a 4 point inspection report on homes over 25 years of age before writing a policy. The focus of the inspection is to determine the approximate age, components, and general condition of these systems. The common concern for insurance companies is that there be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home. Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes. Roof Certification – is typically mandated by insurance companies to confirm or determine the life expectancy of your roof. Many times this inspection is required prior to renewal of your policy. At MEGA HOME INSPECTIONS, we take the time to evaluate the roofing system from the roof edge, roof top and the attic. Some of the components in your inspection report will be:
1.Covering Material
2.Roof Covering Age
3.Remaining Useful Life
4.Leaks
5.Visible Damage
6.And more…
Windstorm mitigation – The purpose of a windstorm inspection is to determine the appropriateness of a given structure’s construction in the event of strong winds, such as those present in a hurricane. Windstorm inspections look for construction features that have been shown to reduce losses in hurricanes, such as a hip roof, concrete block construction, the presence of gable end bracing, shutters and opening protections, the presence of roof to wall attachments such as toe nails, clips or hurricane straps, and the presence of a secondary water resistance barrier. A homeowner with windstorm insurance can often submit the results of a windstorm inspection to their insurer to obtain discounts on their windstorm insurance. In Florida, for example, premium discounts for certain favorable wind mitigation features are mandated by State law and can total 45% of the original policy’s premium. Will You Qualify For Wind Mitigation Discounts? Windstorm mitigation discounts are justified because stronger, more wind-resistive houses have lower windstorm losses. Lower windstorm losses equal reduced costs to insurance companies that are then passed on to the consumer. Many homeowners have taken advantage of the insurance discount incentive and strengthened their existing condo or home using the strongest options in the Florida Building Code. The discounted insurance rates in Florida apply to both existing construction (condos and homes built prior to 2002) and new construction built to the new statewide Florida Building Code (FBC).
