General Home Inspections Your home is one of your largest investments. Like any investment, you want to have some assurance of the value of the purchase. There may be problems and issues that can degrade that value and lower your investment return. A thorough home inspection includes property grading and driveways,foundations, exterior walls (synthetic and/or traditional stucco wall cladding), roofing, patio, porches and decks, electric panel and branch service, plumbing system and water heaters, heating and cooling systems (HVAC), interior walls, floors and ceilings, millwork and tile, windows and doors, attic, structures, insulation and ventilation, garage, kitchen and bathrooms cabinets, counters and appliances. We also can inspect detached buildings, pools and spa's, boat docks and lifts if desired. Single family, duplex or greater, town homes and high rise condo, and commercial building inspections possible. We inspect new homes, 11 month Warrenty, vintage to established to the fixer upper. Inspections are not just what to know what the homes condition is prior to closing, but to know what to do after you now own it.
Air and Water Quality / Mold / Environmental Testing During our complete Home Inspection OR even a sole inspection, we can test for the most common types of airborne mold spores through our field samples and Prolab analysis. The US Environmental Protection Agency link many respiratory problems in America to the air we breathe within ours homes. Air concerns should NOT be a deal breaker and can often be easily rectified.
Air and Mold testing in your home during the course of your home inspection is a much greater savings to you than going directly to a certified mold Assessor / Remediator. We are trained to identify apparent and visible mold, take samples and testing which would then be sent to a registered lab to discover any need for remediation and/or further testing. Only if determined necessary would you then need to go to a licensed Assessor / Remediator.
In addition, we can offer other environmental testing as: test for Water Quality, lead paint, asbestos, bed bugs, allegants and coordinate for termite WDO inspections.
Radon (should I test for it?) The US EPA and the Surgeon General recommend testing all homes below the third floor for radon. Radon is s gas that comes from the natural (radioactive) breakdown of uranium in soil, rock and water and gets into the air you breathe. Radon can be found in every home the U.S. and is a known carcinogen. Radon is the leading Cause of Lung Cancer for Non-Smokers. You can’t see it. You can’t smell it. You can’t taste it. Radon, and is responsible for more than 23,000 lung cancer deaths a year (one every 25 minutes). In Florida, 25-33%, one in four homes tested has elevated radon levels above the EPA action level of 4 pCi/L. The amount of radon in the air is measured in “picocuries per liter of air,” or “pCi/L
Elevated radon levels have been found in all types of Florida buildings, including manufactured homes, schools and high-rise condominiums. If your radon values are below 8 pCi/l (picoCuries per liter) you should consider re-testing. The purpose of retesting is to confirm your radon levels and evaluate the need for mitigation. Once you receive your new test results, you need to average the two test results. If both tests were performed for the same number of days, you can simply average the two sets of results. If the two tests were performed for different periods, we recommend that you time-weight average the results. If the time-weighted average of the two results is over 4 pCi/l, the Florida Dept of Health and the US EPA recommend that you mitigate your home. Generally, if your radon levels are between 4 pCi/l and 8 pCi/l, you should mitigate to protect occupant’s health, but you can take a little time to perform additional diagnostics if desired (mitigate within 6 months). When radon levels are confirmed over 8 pCi/l, you should mitigate as soon as reasonably possible. For levels much higher, on the order of 100 pCi/l, immediate action should be taken to reduce exposure. If you do find that you have elevated Radon in your home, there are simple and inexpensive ways to fix a Radon problem. Even very high levels can be reduced to acceptable levels. Check out these two sites for further information: “Home Buyer’s and Seller’s Guide to Radon” https://www.epa.gov/radon/home-buyers-and-sellers-guide-radon
“Citizen’s Guide to Radon”: https://www.epa.gov/sites/production/files/2015-05/documents/hmbuygud.pdf
203k Consulting The 203K loan is a type of loan insured by the Federal Housing Administration (FHA). It can be used for an entire rehab of a property or just a few select repairs. There are 2 types of 203K loans, one is a Limited 203K and is for rehab costs that are less than $35,000. The other is a full 203K which allows for renovations up to $200,000. Whether you're buying a fixer-upper or just want to modernize the kitchen of your new home before you move in, an FHA 203(k) loan could be the solution to your financing issues.
In general, an FHA 203(k) loan allows you to wrap your renovation costs into your initial mortgage and the loan amount available is calculated at 110% of the after-rehab value. Anticipated renovations after a conventional financing is acquired is usually prohibited or a very costly and limited option. A 203k Consultant is required on all full 203k loans and is recommended for a limited 203k. We remain with the project from inception to completion of renovations. We coordinate the renovation plans and sign-off for each draw as representative for the financer. The initial FHA minimum property standards inspection is different than a normal home inspection, along with many different FHA requirements to navigate the project. A 203k Consultant must be a licensed Home Inspector that has gone through the training and certification process of HUD and FHA.
Wind Mitigation Inspection Southwest Florida is subject to high wind and storm related damage. Significant insurance discounts maybe available for building features that reduce damage during high wind events. Specific certified insurance forms are required.
4- Point Insurance Inspection Most homes over 25 years old require a 4-point inspection by Insurance companies. This inspection include: HVAC (heating, ventilation and air conditioning), Electric wiring / panels, Plumbing and fixtures, and ROOF. Also completed on a Florida Certified Insurance form. Separate Insurance certifications on Roof and/or Plumbing individually are also available.
Also certified in MOBILE / MANUFACTURED HOMES. Most home inspectors are not certified or trained to inspect this type of home which arer very unique to its own specifications, inspections and requirements.