Can you use a 4 Pt Insurance Inspection for a Home Inspection?

Can you use a 4 Pt Inspection in place of a home inspection?  Many home buyers are under the impression that a 4 Pt Insurance Inspection is just a cheaper version of a Home Inspection.  The fact is they are not the same.  By opting to have a 4 Pt Inspection instead of a Home inspection, you must sign a waiver that you are waving your right to a home inspection.

A four point insurance inspection will be required by an insurance company for the purpose of obtaining a new insurance policy or renewing an existing policy.   A Four-Point Insurance Inspection is far less in scope than a standard home inspection.  It covers the information the insurance companies require on the four components that cause damage to a home when they fail. 

The Four Point Insurance Inspection is a limited, visual survey of the heating/air conditioning, roof, electrical and plumbing systems.  The purpose of the four point is to collect information for the insurance company about the systems age and condition and to note any safety concerns of these systems.

Insulation is one of many important systems not covered by a 4 Point Insurance Inspection.

A Home Inspection is a comprehensive snapshot of a house on the day of the inspection. It is a non-invasive, visual, and detailed evaluation of the property's structure, foundation or basement, interior, exterior, roof, electrical, plumbing and heating and cooling systems. The purpose of a home inspection is to detect major visible problems or defects and unsafe conditions.

The home inspection is used to assist a client in making a more informed purchasing decision.  It is often required by the finance or mortgage lender for the purchase of the home.  The inspector may also educate the buyer as to typical life expectancies, items to budget for replacement as well as how to take care of and maintain the property.

A four point inspection takes about an hour to complete and only covers four of the many systems of a house.  A Home Inspection takes many more hours to complete and is a considerably more detailed examination of the entire home and all of its accessible components.

It is the opinion; of this home inspector, that conducting a four point inspection for the purpose of purchasing a home is much the same as sending a $40,000 dollar second-hand car to the mechanic to inspect the tires prior to purchase.  The mechanic has the knowledge to tell you everything about the car and its systems but if you only ask him to check the tires, that’s all you’re going to get.  Much the same with the home inspection if you opt to only have a four point inspection, that is all the information you will get and you are waving your right to a home inspection.

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn

Clothes Dryers, A Leading Cause of Home Fires in Daytona Beach

Clothes Dryers Fires in Volusia County Florida!

Clothes dryers have become an indispensable part of American family life.  Today, people are not aware that clothes dryers are a leading cause of fires in the home – approximately 15,000 every year.   It is important to rigorously inspect and clean dryers.  A little preventative maintenance can keep them in good working order and keep your family safe.

Causes of dryer fires in Daytona Beach?

One of the most common causes of dryer fires is lack of maintenance.  When lint traps do not get

cleaned as often as they should be, the resulting build-up in the screen or other areas can cause the dryer to perform poorly, operate at elevated temperatures and possibly overheat with dangerous results.  Vent systems must also be checked and cleaned to maintain proper air flow for the same reasons.  The floor area surrounding the dryer must be lint, dirt, and clothes free.  A lint ball, sock or clothing item can easily be sucked from the floor in front or beside your dryer into the heating coils igniting it and the lint in your dryer vents.

Problems also occur when people place improper items in their dryers, such as foam backed rugs or athletic shoes.  Ensure whatever you put in your dryer is approved and safe to place in a dryer.  When in doubt, check the washing instructions on the tag of the clothing or consult the manufacturer’s website for more information.  Plastic or vinyl exhaust vent materials should never be used.    

Reduce your risk of home dryer fires!

Ensure that your dryer has rigid or flexible metal venting and ducting materials to help sustain airflow. This will also reduce operating costs and extend the life of the dryer and clothing due to lower drying temperatures.

In addition:

• Clean the lint trap before or after drying each load of clothes.
• Don’t forget to clean the back of the dryer where lint can be trapped.
• Ensure the floor around your dryer is free of debris, lint and clothing.
• The interior of the dryer and venting system should be cleaned periodically by qualified service technician.  If drying time is longer than normal, clean the vent system thoroughly to ensure proper airflow.
• Replace plastic or vinyl exhaust hoses with rigid or flexible metal venting.
• Do not dry clothes or fabric on which there is anything flammable (alcohol, cooking oils, gasoline, spot removers, dry-cleaning solvents, etc.). Flammable substances give off vapors that could ignite or explode. 
• Gasoline should not be stored near dryers or water heaters and should only be stored in approved containers.
• Read manufacturers’ warnings in use and care manuals that accompany new dryers.  Warnings can usually be found on the inside of the dryer’s lid and take only minutes to read.

Did you know that?

• Clothes dryers can be found in 80 percent, or 81.5 million homes throughout the United States.
• A full load of wet clothes placed in a dryer contains about one half gallon of water.  Lint is created from the clothes as water is removed.
• Clothes dryers are one of the most expensive appliances in your home to operate.  The longer it runs the more money it costs you.
• The U.S. Consumer Product Safety Commission (CPSC) estimates that 15,500 fires associated with clothes dryers occur annually. These fires account for an average of 10 deaths and 310 injuries and more than $84.4 million in property damage annually.

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn

Chinese Drywall Additional Information

Volusia / Seminole County
Chinese Drywall Addition Information 

I have had many calls from homeowners with questions about Chinese Drywall.  I perform home inspections and can identify the signs of Chinese Drywall.  I have performed research into Chinese Drywall and I hope some of the links below can be of use to homeowners and their search for answers.  If you are searching for answers to health questions verify with your home inspector that you do in fact have Chinese Drywall and consult your physician.  

Question:  What year homes were the most effected by Chinese Drywall?

Answer:  Chinese Drywall began arriving in the United States in 2001.  Home built from 2001 on may contain Chinese Drywall.  Homes repaired and remodeled after 2001 may contain Chinese Drywall. The problem with identifying a year that a home may contain Chinese drywall is that some builder suppliers may have had quantities siting in a warehouse or a builder or contractor may have purchased it and not used it until needed.  Homes built, repaired or remodeled up until 2010 or even later may contain Chinese Drywall. 

Good Synopsis, Wikipedia:  http://en.wikipedia.org/wiki/Chinese_Drywall

Centers for Disease Control and Prevention:  http://www.cdc.gov/nceh/drywall/guide_healthcare_providers.htm

US Consumer Product Safety Commission:   http://www.cpsc.gov/Safety-Education/Safety-Education-Centers/Drywall/Topics/Where-has-problem-drywall-been-reported/

FL Dept. of Health:  http://www.doh.state.fl.us/environment/community/indoor-air/casedefinition.html

US Institute of Health:  http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2852858/

US Institute of Health:  http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2852858/pdf/ijms-11-00647.pdf

New York Times:  http://www.nytimes.com/2009/10/08/business/08drywall.html?_r=2&pagewanted=all&

Fox News:  http://www.foxnews.com/story/0,2933,514636,00.html

Palm Beach Post:  http://www.tcpalm.com/news/2009/apr/07/sens-nelson-landrieu-call-recall-temporary-ban-chi/

CNN:  http://www.cnn.com/2009/US/03/24/chinese.drywall/

Chinese Drywall Litigation

http://www.laed.uscourts.gov/drywall/DrywallMarkings.htm

http://www.claimsjournal.com/news/national/2009/07/27/102525.htm

http://www.jlconline.com/coastal-contractor/chinese-drywall-update-builders-burdened-by-repai.aspx#

IRS Chinese Drywall Deduction

http://articles.dailypress.com/2010-10-01/news/dp-nws-drywall-deduction-20101001_1_chinese-drywall-defective-drywall-drywall-releases-hydrogen-sulfide

http://www.irs.gov/irb/2010-42_IRB/ar11.html

If you suspect you have Chinese Drywall call your local home inspector for a home inspection and ask if they check for Chinese Drywall.  For health and breathing problems consult your physician.  I hope these links will provide you with the information you are seeking about Chinese Drywall.

Chinese Drywall (Part 1)

Chinese Drywall (Part 2)

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn

Finding a Qualified Home Inspector in Daytona Beach

Interviewing the Best Daytona Beach Home Inspector 

Some inspection services out there are offering very cheap inspections. The first thing to consider if the price is too low; are they licensed and insured. Ask to see their license and proof of insurance. Are they currently a member of a national trade organization for home inspector like NAHI, ASHI or InterNachi? Florida Home inspectors are required to give proof of their licensure before the inspection begins. I recently completed an inspection for a couple that previously hired and paid a home inspector to perform a Home Inspection. The finance company rejected the first inspectors report because it was poorly written and lacked professional characteristics of a home inspection report. 

The State of Florida regulates home inspectors under the Department of Business and Professional Regulation (DBPR).  All home inspections conducted in the State of Florida must be conducted by a Florida Licensed and Insured Home Inspector as of July 1, 2011 as amended by House Bill 713 (2010 legislative session).

You can verify if an Inspector is current and active at https://www.myfloridalicense.com/wl11.asp?mode=0&SID. The DBPR requires home inspectors to meet the following requirements before obtaining their Florida Home Inspection License. 

FLORIDA HOME INSPECTOR LICENSE REQUIREMENTS:

1. Be of good moral character. Good moral character means a "personal history of honesty, fairness, and respect for the rights of others and the laws of this state and nation." 
2. They are required to complete a Livescan (electronic fingerprinting) background report with the state and FBI. 
3. High School diploma (or equivalent) 
4. Complete an approved course of study of 120 hours covering structure, exterior, electrical, HVAC, plumbing, roofing, interiors, exteriors, and site grounds & grading. a)  Inspection Methods     24-hours   b)  Building Systems  42 hours   c)  Reporting  24 hours   d)  Professional Practice  10-hours   e)  20 hours of field-based practical demonstrations of the inspection process by the student under the direct supervision of a licensed Florida home inspector. 
5. Maintain commercial general liability insurance (not less than $300,000). 
6. Apply to the Florida Home Inspector Department to take a licensure examination. 
7. Complete and passed the National Home Inspectors Examination given by the Examination Board of Professional Home Inspectors (EBPHI). 
8. Continuing Education - Florida Home Inspector Licensees are required to get 14 hours of continuing education every two years in Florida.

In the opinion of this Home Inspector if the price is too low you must ask yourself; why?  The fee for a basic home inspection nationwide is $300 to $500 by HUD estimates in "Ten Important Questions to Ask Your Home Inspector" 2011.  The size of the home, additional structures, pools or spas and irrigation systems will all add to the price of the inspection.  Fees vary by region of the country significantly.  When purchasing your home, you want the best inspection at a reasonable price.  A thorough inspection will take from 2 to 5 hours to complete.  When it is your money and your family’s safety on the line you want the most meticulous inspector you can find.   

When contracting a home inspector check them out; license, insurance, professional association, and do they have complaints on file with the state regulatory agency.  Agents will often recommend an inspector they know, but is the inspector best for you or the agent?  Do not take their word for it, that they are the best inspector, check them out.

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn

What should a Home Inspection in Daytona Beach cost?

I own, First Choice Home Inspections in Deltona, FL and we get 50 calls a week for home inspections. The first question and many times the only question the buyer asks me is "How much do you charge for a home inspection?” I do not over charge for home inspections. I am a thorough inspector and most inspections take 2 to 5 hours plus an additional 2 or 3 hours finalizing the report and marking the pictures. After the inspection I follow up with the client when they have read over the 40 to 96 page report. I sometime spend an additional hour answering any questions they may have and always let them know if they have any further questions they can always call me. 

As a reputable home inspector, I have expenses like continuing education, insurance (liability and E&O), advertising, tools, membership dues, state licensing fees and regular business expenses just to keep the doors open. My rates are reasonable and I do a complete inspections.  I know the inspectors that charge less for the inspections and I know their reputations for the work they do.  I also know the Realtor that recommend them and only them.  I know what the minimum rate I can charge for an inspection and still keep the doors open.

Every time I quote an inspection and the client says I’ll get back to you or I’m just going to check a few more places I know money is the issue and they will not schedule the appointment. I know the inspectors that are cheaper and I know they do an inspection in 45 min to an hour and half. A fast inspection is not a good inspection. A cheap inspection is not a good inspection. If it is cheap, what is the client getting for their $199.00. Do they even bother to check if the inspector is active and licensed?

I have relatives in other states that always call me when it comes to buying their home and the advice I always give them is check the inspector out. Check the state their state licensing, insurance, training and experience, and check with people you know for their recommendations. If the most qualified and reputable inspector charges $600, then he is the best inspector to hire. Remember $600 maybe a lot of money but it is only a small portion of a $20,000 roofing mistake not caught by the cheap inspector that did not crawl up in the attic.

Electrical junction nightmare – This junction was
 the result of handyman wiring and could
 have burned down this house.

When looking for a home inspector the last thing you should consider is the cost of the inspection.  The first thing on my mind is the safety of my family.  I do not want to be awake all night wondering if the inspector missed an electrical junction in the attic that should have been in a closed box.  All too often I run across things like the junction in the picture to the right, an exhaust fan wired into the closest wiring run.  In the picture you can note the black burn marks on the copper and the scorch marks on the sheathing and the wood.  The question you should ask yourself is would the $199.00 home inspector find this? 

In the opinion of this Home Inspector if the price is too low you must ask yourself; why? 

The fee for a basic home inspection nationwide was $300 to $500 by HUD estimates in "Ten Important Questions to Ask Your Home Inspector" in 2011. Since then the cost of living index has continued to go up and so have inspector basic cost of doing business. The size of the home, additional components and structures, pools or spas and irrigation systems will all add to the price of the inspection.  Fees vary by region of the country significantly.  When purchasing your home, you want the best inspection at a reasonable price.  A thorough inspection will take from 2 to 5 hours to complete.  When it is your money and your family’s safety on the line you want the most meticulous inspector you can find.   

According to Angies' List, How much does a home inspection cost?, Texas had the lowest home inspection cost nationwide at $452.00 for an average size home while New York was the highest at $1025.00  Nationwide the average is $473.00.

In 2017 the average cost of a home inspection in Volusia County was:

• Up to 1999 Square Feet - $348.00
• 2000 - 4000 Square Feet - $467.00
• Above 4000 Square Feet - $591.00.

When contracting a home inspector check them out; license, insurance, professional association, and do they have complaints on file with the state regulatory agency.   Ask the important questions and if you are satisfied with the results ask the inspector for a quote.  

Frank Carr is the Owner / Inspector at First Choice Home Inspections in Deltona, FL serving Volusia, Seminole, Orange and Lake Counties. Formerly in the building trades, Frank’s focus is a safe home in the Orlando Metro and Daytona Beach areas of Central Florida and building FCHI. We believe that consumers have the right to expect the highest standards of thoroughness, fairness and effectiveness from their home inspector and that is exactly what we provide.
 

First Choice Home Inspections

Residential Home Inspections in Central Florida

(386) 624-3893 

Website:  http://1homeinspector.com

Facebook:  https://www.facebook.com/FirstChoiceHomeInspectionsLlc

LinkedIn:  https://www.linkedin.com/company/first-choice-home-inspections

Google+:  https://plus.google.com/+FirstChoiceHomeInspectionsDeltona

Twitter: https://twitter.com/1stChoiceHomeIn