As a Florida insurance agent, your goal is to get your clients the best coverage at the best rate — and to bind that policy quickly. Here is what you need to know about working with home inspectors to streamline your underwriting process.
The "Big Two" Reports: Speed and Accuracy Matter
We know that a delay in receiving a report can mean a lost policy. That's why we prioritize:
- Same-Day Turnaround: We typically deliver reports within 24 hours (often same-day).
- Bindable Reports: Our reports are reviewed for completeness to avoid kickbacks from underwriting.
1. Wind Mitigation (Form OIR-B1-1802)
This is your client's best friend for premium relief. We ensure:
- Clear Photos: Legible photos of roof-to-wall connections, nail spacing, and SWR compliance.
- Correct Form Usage: We strictly follow the OIR-B1-1802 specifications accepted by all carriers, including Citizens.
- Permit Verification: We cross-reference permit history to backup roof age claims.
2. 4-Point Inspection
Required for most homes over 30 years old (and increasingly for newer homes). Our focus is on the "deal killers":
- Electrical: We clearly identify panel brands (checking for FPE/Zinsco) and wiring types (copper vs. aluminum vs. cloth).
- Plumbing: We verify pipe materials (checking for polybutylene) and water heater age.
- Roof Life: We provide realistic remaining life estimates to satisfy underwriting guidelines.
Why Partner with Mayne Inspectors?
We see ourselves as an extension of your team. When you refer a client to us, you can trust that we will providing the accurate, technical data you need to write the policy, without alarming the buyer unnecessarily.
Need a quick consultation on a tough-to-insure property? Call us directly. We are here to help you close.
