Certified Home Inspector

Certified Home Inspector

What is a certified home inspector and what does he do?

inspection of the roof to wall connections
roof to wall connections

A certified home inspector in Florida is a person that has taken a proctor exam. The material in the exam is submitted for approval to the Florida Department of Business and professional regulation. With a passing grade this entitles the applicant to perform home inspections for a fee in Florida. In my case as a Florida certified general contractor I didn’t need to sit for the exam to perform home and building inspections. However I had applied for registration to the Federal Housing Administration as a FHA 203 k loan compliance inspector, and a FHA 203 k Loan Consultant. Under FHA regulations if a state requires a home inspection certification to perform home inspections, then the Federal Housing Administration requires that their consultants also possess a home inspection certificate from the state in which the consultant and/or compliance inspector is domiciled. You can get more information about the FHA 203 k Loan Program at: http://www.fha.floridabuildinginspect.com or by calling the FHA Office (800) 225-5342

A certified home inspector performs non evasive home inspections for a fee. His or her services are given to buyers, real estate agents, banks and mortgage brokers. Within the definition of home inspection there are several different types of inspections.

Standard Inspection

Each type of inspection is used for a different purpose. For instance for purchase of a home or commercial property a standard inspection should be performed. The standard inspection is a very detailed and comprehensive inspection that exams all the visible components of the home or building. This means functioning of the appliances, in the kitchen and bathrooms, the electrical fixtures, smoke detectors, air conditioning, the roof the structure and insulation to name a few.

Four Point Inspection

The four point inspection is usually performed for the home’s insurance carrier and is for the renewal of the policy. A four point inspection will examine the structure, the roof, the air conditioning – pluming and electric for code compliance.

Wind Mitigation Inspection

Wind Mitigation Inspection
measuring nail spacing of the plywood deck

Another type of inspection performed for the insurance company is called a “Wind Mitigation Inspection”. This inspection examines the sustainability of the home or commercial building during a major wind event such as a hurricane. This inspection will examine the structure. the roof, roof to wall connection devices, windows, doors and/or shutters for a Miami-Dade county product compliance acceptance certificate called a Notice Of Acceptance or NOA.   In every type of inspection a written agreement should be provided to the client. By searching this site you will find our “Inspection Agreement”.

Required Building Permits For Renovations

Required Permits For Renovations

In most cases a building permit will be required to start and complete any project. For those projects that do require a permit the first draw will not be approved without permits.

Notice of Commencement

In addition when a project does require a permit the contractor must also file a notice of commencement and provide a copy to the borrower. Most county and/or municipalities in Florida will not provide the necessary inspections for a project that requires a permit but has not had a Notice of Commencement filed with the county tax assessor’s office.  

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