Proposed Universal 4-Point Insurance Inpection form.

[Nick Gromicko]

http://www.nachi.org/4point.htm

This is the form we've been working on. We're trying to make it universal so that other insurance companies (not just Citizens) can use it. It appears to have everything they are looking for and more.

Please tell us how we can improve it without making it too much longer.

http://www.nachi.org/4point.htm

[Nick Gromicko]

We are able to make standard choices on the right column for some so that you can just circle them, but it looks kind of quick and dirty that way, you decide.

Once we get it down I'll get Citizen's approval.

Then we'll have IT build us it online so that we have the option of either downloading the form, or... filling it out online so that our answers are all typed nice and neat.

It will of course be fetchreport.com compatible.

Anyway, what improvements should we make to it?

[Scott Byrnes]

I think there's items in there that really don't serve any purpose for what the insurance companies are looking at. One jumps at me, like the sump pump. I don't know about everywhere else in Florida, but after 3 yrs of inspections I have yet to see a sump pump here. Also, does the insurance company actually care what the water pressure is like? I'm thinking no. Fire sprinkler system? Very rare if ever in a single family home. And freeze hazards? It's Florida! My experience with the insurance companies is, "the simpler, the better" They don't want to spend a lot of time reading
Just my opinion.

[wsiegel]

You need to have a spot on there for a secondary roof.
There is no service location for the electrical system.
Not sure I would mention AFCI, unless requested by the insurance companies, as none of these homes will have them.

I also think you need to go to more of a check box style like the agents are used to. I would also shy away from rating anything as good, fair, or poor. Example: that 17 year old water heater could last another 5 years. It is not up to us to determine if it will need to be replaced. It is up to the insurance company to make that determination.

I have more, but have to run to an inspection right now.

[Carl Pennick]

Take out flashing and roof sheathing I have never been asked about those items before. All you are doing is making more work for us for which people will not pay any extra money. There are inspectors who do 4 points in Orlando for $75.00
There is also no need for shut off vales to be this inspection. Apart from the roof coving I have never been asked by an insurance company what upgrades are needed so why put it in, it will only create problems?

[wforsyth]

Hi Carl,

Isn't flashing and sheathing a part of inspecting the roof portion of the four point inspection?

[Greg Bell]

Looks like it still needs a lot of work. It would probably help if you worked with some inspectors from Florida that perform these inspections.

I don't understand why NACHI is on the form since it is supposed to be a universal form that can be used by all.

[Carl Pennick]

Hello Wendy,

NO!

[Greg Bell]

Wendy,

Yes and no.

It is a part of the inspection on a home over 50 years old. It is not a part of the report for homes less than 50 years old.

[Scott Byrnes]

Originally Posted by gbell

Looks like it still needs a lot of work. It would probably help if you worked with some inspectors from Florida that perform these inspections.

I don't understand why NACHI is on the form since it is supposed to be a universal form that can be used by all.

Greg,

It would be great if Citizen's came up with their own 4 point form that all could use and just allow NACHI inspectors to fill out the form as they do the other two. But from what I heard, the other two have a 14 page form out there for 4 point inspections.

[Scott Byrnes]

Originally Posted by wsiegel

Not sure I would mention AFCI, unless requested by the insurance companies, as none of these homes will have them.

4 point are for homes over 35 yrs so AFCI's wouldn't play in there. They didn't show up until 2002.

[Greg Bell]

This is the form that is required for homes over 50 years old. I just spoke with the director of underwriting at Citizens about this form yesterday.

http://www.bellinspection.com/files/...oint_Form2.doc

[wforsyth]

Thanks for the info guys. I appreciate the distinction Greg, thank you.

[Nick Gromicko]

Thanks guys. I'll make some more changes to it tonight. Citizens says I should get approval in a matter of days for the new Universal form.

Greg, it is "universal" in that it is "universal" for use by all insurance companies (I had to add some of their requirements as well). It is not "universal" in that it is only for NACHI member use.

[Greg Bell]

Nick

Will this report be accepted for homes over 50 years old?