Hurricane Season Approaching

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Hurricane Season begins June 1st and as the leader in the Home Inspection Industry, HomeTeam Inspection Service takes great pride in providing superior Uniform Mitigation Verification Inspection Reports and keeping our clients educated. Here are some of the most frequently asked questions we recieve from Consumers, Real Estate Professionals, and Insurance Agents. 

   

Q:  What is the purpose of the Uniform Mitigation Verification Inspection?

 

A: Florida mandate requires insurance companies to reduce rates for homes that have specific wind mitigation features that make them better equipped to withstand storms. Having a wind mitigation inspection on your home can help you reduce the costs of your wind premium. 

 

Q:  My insurance agent told me that a “Wind Mitigation” Inspection should only cost me about $75.  Why do Inspectors charge more than that?  
 

A:  HomeTeam goes above and beyond to provide you with the proper wind mitigation documentation. We have a Quality Control (Q.C.) Agent that will speak to your Insurance Agent to help with the Insurance process. Our Q.C. Agent is a Continuing Education Provider (PVD32) & Instructor (#0005472) licensed with the DBPR. We also provide a Permit search and/or a Structural Profile ($99 value) with Wind Mitigation reports. These documents are required to verify credits and assure that all discounts are verified for the Insurance Agent & Client.

 

Q:  I have hurricane shutters for my home, but after obtaining an Inspection, I am not getting all the discounts for having them.  Why? 
 

A:  The most common reason why home owners do not receive full credit for having hurricane shutters on the property is that they have “skipped” one opening such as a skylight, bathroom window, etc. or they have not been tested for LMI rating. Insurance companies look for the “weakest” point when determining if credits should be applied.  Read your report carefully and discuss with your Inspector. If an Inspector is not familiar with this information it may result with discounts not being applied.   
 

Q:  How much in discounts will I receive after having the Wind Mitigation Inspection performed? 
 

A:  Credits for discounts vary by Insurance Company.  Your Inspector only reports on the facts found during the Inspection.  He/She cannot tell you what discounts will be applied.  You should contact your Insurance Agent in order to determine how which credits will be applied to your policy.
 

Q:  The seller of the home told me they recently replaced the roof, but my report shows something different.  Why?
 

A:  There are many different reasons why the age of the roof shown within the report may differ from what was verbally expressed by a seller.  The Inspector MUST verify through documentation (local building permits and/or obtaining original documentation from the roofing contractor) in order to avoid committing FRAUD on the report.  If this documentation does not exist, the Inspector must list the age of the most recent documentation available. 
 

Q:  How do I prepare for a Wind Mitigation Inspection?
 

A:  Your Inspector will need to tour the attic in order to verify roof attachment components.  Clearing the attic hatch from obstructions PRIOR to the Inspector’s arrival is essential. 

 

Schedule your inspection today. 

 

Call (954) 941-1602.
Visit us online at http://www.hometeam.com/southeastflorida.

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Trying to eat smarter and loose weight.

I’ve been trying to eat smarter, 1,200 calories a day is the goal, and exercise daily, 30 minutes cardio and 20 minutes toning.

Well it turns out that this is harder than one would think when eating at a restaurant.  At lunch the other day I ordered a ceasar salad and added grilled chicken to the dish.  The salad portion size was small and the chicken breast was medium sized.  OMG!! I checked the restaurants web size which has a page for calculating your meals nutritional value.  To my SURPRISE the calorie content was 829, which is more than half of my daily goal.  Oh and by the way, I ate the entire salad which is unlike me.  I think that the exercising is making me hungry.  What to do?  Any suggestion’s?

Chcken ceasar salad