Insurance, Warranty, & New Construction Inspections

Insurance Inspections, Warranty Inspections & New Construction Inspections

Young Home Inspections has been providing quality construction inspections, warranty inspections, and insurance inspections for over 30 years. We provide superior quality inspections, that you can count on. We are a rock-solid time-tested inspection team. Trust that our experts will provide you with the highest quality reports, as well as, the experience to know what to look for.

New Construction Phase Inspection

A new construction inspection, also known as a construction or phase inspection, is an invaluable service for anyone who is looking to have a reliable and nonbiased professional opinion regarding the quality and installation practices being utilized in their new home during the building process. The new home construction process can be an unexpectedly overwhelming process for anyone. Having a professional home inspector on call to help guide you through the home building process will absolutely bring value to your future purchase.

Phase Inspection Process

There are three opportunities available during the building cycle that are recommended to have your third-party inspector evaluate and report on the workmanship and construction of your new home. The standard 3 phase inspection process is utilized to ensure that major construction defects within your home are not covered up.

There is a market for these types of inspections for a reason. Additionally, most high-quality home builders fully welcome a third-party inspection. The new construction phase inspection is conducted at three separate times:

  1. The first inspection should be conducted prior to your concrete being poured (Pre-pour Inspection)
  2. The second inspection takes place prior to the interior walls and insulation being installed (Pre-Drywall Inspection)
  3. The final inspection takes place after the home is complete, usually around the time of your initial “Final Walkthrough Inspection”.

Pre-pour or Footer Foundation Inspection

Footer (Pre-pour) Inspections

There is ample value in having your home’s foundation inspected prior to the pour day. If you are considering having your foundation inspected there are a few things you should plan for. Failure to install your home’s foundation in accordance with the engineered plans can have a devastating impact on the integrity of your home’s foundation. Furthermore, there are numerous workmanship defects that are present on nearly every foundation that can impact the visible appearance as well as the bearing capacity of the foundation. Once the concrete is poured, the opportunity to have your foundation inspected is gone.

When to Schedule the Foundation Inspection

Concrete Slab

It takes time to coordinate with concrete companies for the required concrete for your foundation. That means, your builder knows a few days in advance when they plan on pouring. The best time for the pre-pour inspection is typically two days prior to the actual pour day. This will help ensure that the foundation is ready to inspect, as well as give the builder sufficient time to make any and all needed corrections, or postpone the pour day. Additionally, this will allow you some time to re-inspect the repairs prior to pour day.

Another way to get an idea on the intended pour day is to ask the builder when their in-house inspector is scheduled to review the foundation. If we know when the builder’s inspector will arrive, we can usually schedule the inspection around that date, as the forms and reinforcements are typically complete at that time.

Upon completion of the on-site inspection, Young Home Inspections will return to the office and begin constructing your digital report. The report will be comprised of digital photographs and locations of each defect, as well as the relevant references for issues discovered during the inspection.

Framing Inspection

Framing Inspection

The next phase of the inspection process is typically called the framing inspection, or pre-cover inspection. Once your home’s roofing material, exterior cladding, and windows have been installed, your home will be ready for the interior sheetrock and insulation to begin.

Because the sheetrock and insulation cover some of the critical materials, like window flashing, electrical wiring, plumbing and HVAC rough in installation, and your home’s framing components, having your third-party inspector evaluate and report on the quality of work is paramount. Once the sheetrock goes up it is too late. Many defects can lay dormant until well after the home warranty has expired, leaving the home owner responsible for any needed repairs.

When to Schedule the Framing Inspection

The best time to schedule the framing inspection will typically coincide with your builder’s framing walk-through. We like to do this inspection right before the builder has scheduled their own inspection. A few days to a week ahead of their own inspection will give them time for them to fix any issues we find before they do their own inspection. Then when you do your walk through with your builder you will either have our written report with photos of any deficiencies we found as your check list for the necessary repairs, or you add a re-inspect inspection and hire us to come back and re-inspect the work ourselves.

This also happens to be in-line with the building officials required inspection.

3 Common Framing Installation Problems

  1. The most common issue found during the framing inspection by every builder is improper notching and boring of the interior load bearing stud walls. After the framers have completed their installation, the electrical and plumbing are installed through the home’s interior walls. During this process, over-zealous cutting of load bearing studs is conducted in order to make way for the utilities. There are requirements that must be met in order to maintain the integrity of load-bearing walls after they have been damaged. This, of course, goes unseen very often.
  2. Another common problem is with the installation and flashing of the home’s windows and exterior penetrations. Poor flashing installation will in most cases lead to water damage to the home. Unfortunately, this can take quite some time to finally manifest itself within the home once it has been covered. This is one of the primary reasons for an inspection at this stage.
  3. Installation defects in regard to the home’s water-resistive barrier and air barrier are also quite common. The water-resistive barrier and air barrier are installed in order to prevent the infiltration of water and moisture laden air into the home. When not installed properly, which is often the case, an unnecessary amount of unconditioned air can enter the home’s thermal envelope.

Final Inspection

The final inspection should be scheduled a few days before your scheduled walk-through with your builder. This will ensure that the building process is near completion so systems can be inspected. It also is your safety net before you sign off on your closing to make sure your home is in move in condition. This inspection incorporates all the major systems in the home and is the most time consuming of the 3 phases.

We truly appreciate you taking the time to consider Young Home Inspections as your home inspector, and we look forward to assisting you with your new home inspection needs.

Things You Can Do When Hiring Your Personal Inspector

New construction phase inspections can be tricky to schedule. If your project manager is off by a few days on his timeline, or last-minute paperwork needs to be submitted, your scheduled inspection could be missed. That is why it is important to let your home building representatives know in advance that you wish to hire an independent building inspector to perform phase inspections throughout the building process. Below is a list of actions that you can take to ensure that your construction inspection goes off without any difficulties.

  1. Try and let your builder or project manager know well in advance that you will have a third-party inspector conducting independent phase inspections on your behalf. This has the advantage of putting them on notice, which will improve their attention to detail from the start. Also, it will require your project manager to be more accurate with their projected timelines. One of the most common complaints when dealing with your project manager is their inability to deliver an accurate timeline.
  2. Your home builder may also have some requirements that may need to be met by your inspector. Try and obtain this well in advance and get it to your inspector to avoid any last-minute difficulties. The requirements are usually minimal, and any quality home inspection company should have no issues supplying the needed documentation.

11-Month Warranty Inspection

Do you have a home that is still under warranty? We have a warranty inspection process that allows us to provide you with a detailed list of issues that need to be addressed prior to the warranty expiration.

If you do this as recommended, in the month 11, your warranty is about to expire. In most cases, warranties typically offer coverage on workmanship and materials as it relates to the many components of the home, like the roof, windows, ventilation, HVAC, plumbing and electrical systems. We highly recommend you take advantage of this final opportunity before your warranty expires.

We do have a comprehensive inspection that covers all major components of your building. This provides you an opportunity to have a State licensed inspector prepare a third party report you can give directly to your builder. This virtually eliminates any going back and forth with your builder about what constitutes a deficiency within the home, because that is what we are licensed to do and they know this.

Remember this inspection can be done in any month during your first year, prior to your warranty running out. Schedule this while your available during that time.

Insurance Inspections

Roof Certification Inspections

Many homeowner’s insurance companies are now requiring Roof Condition Certification Inspections on homes that are a certain age. The age of requirement is determined by several factors including which company you’re insured with, the type of roof, and where you are located.

The request from the insurance company for a Roof Certification Inspection will usually come in the mail several months prior to the policy renewal date or before issuing a new policy altogether. Proof of a roof replacement is also acceptable in lieu of an inspection in most cases. Failure to provide a Roof Certification Inspection or proof of roof replacement usually results in a denial.

A Roof Certification Inspection is not a pass or fail situation but just a report on the present condition of your roof and how much estimated life there is left in the covering. A roof cannot leak and has to have three viable years of use remaining. We inspect the following when conducting a Roof Certification Inspection:

  • Roof covering type
  • Age of roof covering
  • Date of last update
  • Type of last update
  • Visible damage
  • Granuale loss
  • Cracking
  • Signs of leaks
  • Curling
  • Blistering
  • Exposed nails heads
  • Chipped or broken tiles
  • Rust or any visible damage from acts of nature, trees, etc.

Please keep in mind that a Roof Certification Inspection is different from a Wind Mitigation Inspection. A Wind Mitigation Inspection is focused on the windstorm minimizing properties of your home and not just the condition of the roof itself. A Wind Mitigation Inspection also can help lower your homeowner’s insurance cost, which is why we highly recommend scheduling both if you have been required to obtain a Roof Certification Inspection from your insurer.

If you have any questions about a Roof Certification Inspection request you have received or would like to schedule an inspection feel free to contact us at any time. We’re always here to help!

Wind Mitigation Inspections

Insurance Forms

One of the most common question we are asked is about Wind Mitigation Inspections. Most people have heard Wind Mitigation Inspection can potentially save you money on your homeowner’s insurance policy rates. Do you even know if that is true? We are happy to tell you that is, in fact, true!

As a matter of fact, this is actually a State law. Florida Statue 627.0629 states that “Credits, discounts, or other rate differentials, or appropriate reductions in deductibles, for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code must be included in the rate filing…” This means that if your home has undergone the proper construction techniques to mitigate (or minimize) wind damage, your homeowner’s insurance company must provide you with certain discounts.

This also means that with a Wind Mitigation Inspection your rates have the potential for a substantial reduction when conducted by a Home Inspector, Building Contractor, or another a licensed and qualified professional such as a Structural Engineer or Architect. Keep in mind that prices vary and if the price seems too good to be true, it probably is. That’s why it’s a good idea to always ask. For verification of licenses and certifications when dealing with anyone who claims to be a professional.

While Wind Mitigation rates vary a great deal and depending on which insurer you have and where your home is located, just the windstorm coverage can be as much as 60% or more of your premium. A reduction in your rate for proper Wind Mitigation adherence is only applied to the actual windstorm portion of your policy’s rate.

We conduct a comprehensive Wind Mitigation Inspection that includes the following checklist and more:

  • Building Code based on date home was constructed
  • Roof installation date - Date permit was pulled
  • Roof deck attachment
  • Roof to wall attachment
  • Roof geometry
  • Secondary water resistance barrier compliance
  • Opening protection compliance

It is important to remember that credits are individual and that it’s not necessary to meet every requirement to obtain a discount on your homeowner’s insurance rate.

If you are ready to schedule your Wind Mitigation Inspection or would like to talk your specific situation and find out if a Wind Mitigation Inspection is right for you don’t hesitate to contact us. We would to hear from you and we’re always here to help!

4-point Inspection

In the state of Florida, if you’re wanting to purchase an older home there’s a pretty big chance that you will be asked for a 4-point inspection before being able to get a homeowner’s insurance policy.

4 Points are typically required on homes 30 years old or older. Also any sinkhole remediated home or Bank owned homes. Some insurance carriers require them at less than 30 years it can vary by carrier.

At this point you’re probably wondering what a 4-point inspection actually entails. 4 Point Home Inspections focus on 4 major systems in a home. These 4 systems are HVAC (heating and air conditioning), electrical, plumbing, and the roof. A 4 point inspection can only be performed by a building contractor or more frequently a licensed inspector.

While often times you can provide an insurance company a regular home inspection instead of a 4 point inspection, it’s still sometimes required by certain insurance companies.

4 point inspections are good for 3 years, so if you’re thinking about switching insurance companies, you may not need one if you recently purchased your home or had it inspected.

There are a lot of reasons why you may declined for coverage due to a 4 point inspection with a particular insurance company. There are some insurance companies that will still extend you coverage even if you “fail” certain aspects of a 4 point inspection. They will simply exclude coverage for whatever systems they deem to be issues currently. Many times, this gives the homeowner the chance to fix any outstanding problems for the whole home to eligible for insurance again.

If you interested in purchasing an older home it is always a good idea to get a 4 point home inspection before even making an offer. This will give a good starting point for the value of the home as well as help you make an educated estimation about repair cost that may be needed. It is also beneficial to obtain a 4 point inspection to know what your insurance costs are likely to be before making a purchase only to find out you won’t be able to insure the home you recently purchased.

At Young Home Inspections, we give you a secure and stress-free buying experience right from the start. Knowing what’s going on “behind the scenes” in real estate transaction gives you the upper hand for negotiation and bargaining. You don’t want to walk into to any home sale blindly.

Schedule your New Home, 11-Month Warranty, or Insurance Inspection today!

Residential & Commercial Inspection Service Area...

Pasco Couty: New Port Richey, Hudson, Port Richey, Holiday, Land O' Lakes, Odessa, Zephryhills, Dade City, Wesley Chapel, San Antonio
Hernando County: Spring Hill, Brooksville, Weeki Wachee, Hernando Beach, Ridge Manor, Pine Island
Pinellas County: St.Petersburg, Clearwater, Seminole, Largo, Tarpon Springs, Palm Harbor, Dunedin, Oldsmar, Tierra Verde, Pinellas Park, St.Pete Beach, Madiera Beach, Treasure Island, Belleair, Indian Rocks, Clearwater Beach.
Polk County: Lakeland, Plant City, Winter Haven, Haines City, Auburndale, Polk City, Davenport
Hillsborough County: Tampa, Westchase, Carrollwood, Lutz, South Tampa, Harbor Island, Davis Island, Town N Country, New Tampa, Brandon, Seffner, Riverview, Lithia, Valrico
Manatee County: Bradenton, Lakewood Ranch, Ellenton, Palmetto, Tierra Ceia, Anna Maria Island & Holmes Beach
Citrus County: Crystal River, Inverness, Homosassa, Sugarmill Woods, Lecanto
Lake County: (Southern Parts) Clermont, Minneola, Groveland, Mascotte, Winter Garden
Osceola County: ( Eastern Parts) Kissimmee, Celebration, St.Cloud, Poinciana, Lake Buena Vista
And everything in-between!