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Episode 2 of the Florida Insurance Survival Series 

Rick Kooyman discusses the stringent insurance industry standards affecting home inspections, particularly the four-point inspection. He notes that roofs, once insurable for 10 years, are now only insurable for 21-22 years, leading to higher costs or refusal of coverage. The industry also scrutinizes electrical panels, wiring, and plumbing, with specific attention to the type and age of materials. Kooyman highlights the impact of humidity and corrosion on appliances like air conditioners and hot water tanks, which are now insurable for only 12 years. He also explains the Wind Mitigation Program, which offers discounts for homes built to the Florida building code, and the importance of arc fault and ground fault outlets in modern building codes.

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