Four Point Insurance Inspections & the Certified ICC Inspector

[jherrera]

Originally Posted by jburkeson

Calling All Florida Certified ICC Inspectors,

We have confirmation here in Florida that Citizens Insurance Company is accepting Four Point Insurance Inspection reports from ICC Certified Inspectors for older homes without having to use a licensed general and/or electrical contractor to sign off on your work. Note: this only for those inspectors who hold a minimum of both B1 & E1 ICC Certifications.

Besides licensed contractors we believe most insurance companies will also accept Four Point Insurance Inspection reports from licensed building inspectors and insurance adjustors.

Joe, I have called Citizens insurance twice and no one will confirm this is the case. I have also called a few local insurance agents to write citizens policies they don't have this in their citizens manuals. Do you have someone in Citizens as a point of contact for this? It would truly help me feel more confident.

I hate to say this but a simple "we've been getting away with it" or "goverment employees are dumb, you'll get something else next time you call" is not enough to convince me. Please keep in mind that if they are accepting your 4 points because someone is not paying attention is bad news waiting to happen.

And don't get me wrong I like the ICC certifications for several reasons. And I had been planning on taking these certs anyway. As you know I had signed up for your class.

[Joseph Burkeson, CMI]

Originally Posted by jherrera

Joe, I have called Citizens insurance twice and no one will confirm this is the case. I have also called a few local insurance agents to write citizens policies they don't have this in their citizens manuals. Do you have someone in Citizens as a point of contact for this? It would truly help me feel more confident.

I hate to say this but a simple "we've been getting away with it" or "goverment employees are dumb, you'll get something else next time you call" is not enough to convince me. Please keep in mind that if they are accepting your 4 points because someone is not paying attention is bad news waiting to happen.

And don't get me wrong I like the ICC certifications for several reasons. And I had been planning on taking these certs anyway. As you know I had signed up for your class.

Hi Jeffrey,

Over the past few weeks I was almost looking forward to Citizens bouncing one back because at that point I will get the ICC involved in making sure that ICC Inspectors become listed in their manuals.

Think about it Citizens now accepts reports from licensed contractors and ASHI & FABI home inspectors, there is no denying that ICC Certified Inspectors are equally qualified to do insurance inspections. The case can be made that we are better qualified then contractors because inspecting is our primary occupation and we have nothing to gain from performing unnecessary repair work.

The way I see it is that ICC Inspectors win regardless of what happens, because the certification allows you to do far more then simple insurance inspections. In regards to Citizens, If Citizens continues to accept our ICC reports as written, fine. If they decide to one day reject a report because ICC is not an accepted inspector we can then move forward on Phase II of our plan and enlist ICC's help to insure that ICC Inspectors become listed as approved insurance inspectors.

BTW, I did not become ICC Certified to merely perform Four-Point Insurance Inspections, the real power of the certification lies in what it will do for you in areas like New Construction & Warranty Inspections. If performing insurance inspections was the only goal you had in mind for ICC Certification you should maybe consider joining one of the afore mentioned groups who are already approved to perform these inspections instead of taking our course and spending the time & money required to become ICC Certified.

[Richard L. Bennett]

Greg

This is such a mess.

Last Wed I did a four point where the home was a little short of a full cup of water (roof leaked a little)

I told my client that if her insurance co did not accept my report that I would refund my fee because right now we do not know what insurance co will take what. She did not know who the co was because it was going thought a general agent. I talked with her agent and he did not know what they would accept.

Now how can we take money in good faith for a job that we do not know if it will be accepted by the inc Co??

In short I have never been rejected but I have some properties that in my opinion needed repair before they needed insurance. In those cases I have come back later at NC after repairs have been made.

I do a 4 point inspection with a home inspection if requested for an extra $50.00 if I do not have to go back to the home later --- The date I use is the date of the inspection.

This ICC / insurance issue will pass in time like all issues of the moment, but for now it sure is a good BB subject.

The real issue is not ICC but the Florida insurance mess -- and now we are going to do wind inspections for $150.00 where a home owner can get $5000.00!!!! Do we see a problem here???? (The contractors like the inspectors must be on the Florida "approved list")

BTW how is it that two companies that have little background in HI get a state contract worth big $$ to do inspections???? One day of training and you are good to go. Oh yes you have to pay them $$ to get trained. I wonder what the state is paying them??

I want to be the inspector that checks the inspectors for taking side $$$ to say that someone needs a new garage door.

We have to get the government out of the business of business including insurance. This is not their job

Too much coffee again

Oh I forgot -- I am on Greg's bad list because I say little of value - Right now I am seeing little value in an answer to a question by saying "How many ways would you like for us to answer this question for you" (who is US??)

Right now we have ICC and other issues on the same plate with insurance and it is just not so.

This sound like a job for the front office of NACHI - Nick is on the board or something of another Florida inspection association --- thus a good spoke person for our profession -- so lets kick this up stairs and get some answers before we spend more time spinning our wheels in the sand.


rlb