When Should a 4 Point Inspection Be Done?

A 4 point inspection covers the main 4 points of a home and assesses the updates and conditions of those aspects of the home. This is an effort for the homeowner and insurance company to better understand the status of the home and likelihood of avoiding damage or injury.

Those main 4 areas that this inspection reviews are the roof, heating and air conditioning, electrical and plumbing. The inspection would look at the current condition, when any updates were done and if they are up to acceptable building codes, as well as how much life is left before needing repair or replacement.

Often times when it comes to homeowners insurance, this type of inspection can help determine the insurability of the home and whether or not it meets certain insurance company’s underwriting guidelines. This is extremely important on homes that are 25 years old or more.

So what can be done when it comes to a 4 point inspection early in the process? How can you avoid any hiccups that could delay closing or cause insurance issues after the fact?

  • If working with a buyer, help them understand the condition and age of those 4 main points of the house and the importance in updates or being up to code
  • If working with a seller, help get quotes to update those 4 main points as that can be a deal breaker for buyers or the re-insurability of the home

 

When should a wind mitigation inspection be done on a home?

A wind mitigation inspection is completed by a licensed contractor. On a standard homeowners insurance policy, a home may qualify for a hurricane/wind premium discount. A wind mitigation inspection would be required for homes built prior to 2002, since that is when building codes changed.

Homes built in 2002 or after were required to meet roofing regulations by building code, and therefore automatically receive wind mitigation credits. This inspection typically costs between $85 and $150 and the premium discount applied by the insurance company will remain for the life of the home policy.

Wind resistive construction features that are considered when a property is being inspected for wind mitigation credits include:
– Secure roof shingles and roof coverings that meet the Florida Building Code requirements
– Roof decking secured with larger nails or screws closer together
– Hurricane clips/straps that secure the roof to the supporting walls
– Window protection (i.e. shutters, impact resistant glazing, etc.)
– Additional water resistant barriers to prevent leakage in the event that the top layer of roofing is damaged
– Roof geometry or shape of roof

This information may be helpful when questioning whether or not a wind mitigation inspections should be done:

2002 or newer: No wind mitigation needed, credits automatically apply
1990-2001: Very likely to receive credits, especially if roof has been replaced since 2002
1980-1989: Likely to receive credits, especially if roof has been replaced since 2002
1970-1979: Not likely to receive credits, but possible if roof has been replaced since 2002
Older than 1970: Unlikely to receive credits
Flat roof (any age): Unlikely to receive credits

 

Have you thought about what HR really looks like after COVID?

Although the COVID pandemic may not be quite over yet, there are several considerations all business owners and anyone in HR should be thinking about. In addition to new processes, this is also a great opportunity to revisit current procedures to ensure things are operating as they should. Here are a few steps you can take to cover your HR bases today and in the future of our new normal.

Be sure you have a plan in place for things such as:

o Remote work and technology
o Policies on employee termination, furlough vs layoff, pay cuts, time off
o Return to work (after injury or exposure) protocol
o Safety measures and screenings
o Office closure in the event it is mandated
o Handling an exposure within the workplace
o Mental health support
o Communication methods with both staff and clients

You should also have a structured plan for how you will stay current with resources like:

o Families First Coronavirus Response Act
o Coronavirus Aid, Relief, and Economic Security Act
o Centers for Disease Control, local and state government guidelines

This is extremely important in an effort to remain compliant at all times. Something like COVID is a very fluid and ambiguous situation with requirements as little as a poster you’re instructed to have up at your business’s front entrance so you want to be sure you’re adhering to all instructions given.

2020 may have felt like a bit of an HR roller coaster or even a nightmare. However, let’s look ahead to 2021 and beyond. There is no better chance to prove your care and consideration for your staff than the way you react to a crisis. Your employees are watching. Your efforts and actions when they need you most will leave a lasting impression and be an invaluable reason they remain loyal to you.

 

What is your protocol for employees returning to work after an injury?

It may sound alarming but it’s reality that almost all employees of a company will, at some point in their career, either be injured or contract an illness of some kind. The way their employer reacts to and handles that leave of absence, as well as their return to work, will speak volumes. Studies have shown that employees feel more valued and want to work harder when they know their leader is in their corner and wants them back as soon as possible.

Establishing a solid, realistic and fair return-to-work program is extremely important for business owners. First and foremost, there are some legal considerations to comply with. The Family and Medical Leave Act (FMLA) as well as the Americans with Disabilities Act (ADA) have guidelines in place to protect employees from losing their job if they are unable to perform, given their disability or injury. These, along with state non-discrimination laws, require that employers provide reasonable accommodations for employees returning to work but unable to perform at the same level they did prior to their injury or illness. Two important things for business owners to consider here are:

1. An employer cannot refuse the employee’s return to work unless they pose as a direct threat.
2. The fact that an injury or illness occurred does not necessarily mean they can no longer do their job, assuming they are not a direct threat.

Deeming an employee able to return to work, either in their pre-injury/illness capacity or a different position, may fall on the employer’s own discretion, which can be very difficult. The most commonly advised strategy for business owners in this position is to consult with the physician releasing the employee to work, get legal guidance if it’s questionable, and have a plan in writing that is agreed upon with the employee. The goal is to bring the employee back in to the work force safely and in a way that is productive for themselves, the rest of the team and the company as a whole.
Developing a return-to-work program that will apply to any position is the key here. It will keep things organized, efficient and consistent. Here are a few tips in creating a return-to-work plan:

– Define which employees or positions this program applies to
– Document the job duties of each position in the company
– Reporting process – to whom, frequency of reporting, and if advance notification is needed
– Medical evaluation documentation and use of a medical provider process
– How physical limitations will be assessed for reasonable accommodations
– Process for limited duty or transitional assignments to bring employees back sooner than later
– Consequences if an employee refuses to participate in the return-to-work program

Good and open communication throughout will undoubtedly make this program a success. Don’t forget the details though it’s more than just checking in:

– Date of injury/initial clinic visit
– Physician status reports and follow-up visits
– Contact between employee and manager or HR (phone calls, emails, etc.)
– Interactive process to determine potential reasonable accommodations
– Written transitional duty offer letter
– Acceptance/refusal of or modified transitional duty agreement

A great way to keep all of this together and organized is in a return-to-work kit or section of your employee handbook. Nothing shows more support from an employer than being there for your team in their time of need and helping them get back on their feet to be an asset to the company.

 

How to show appreciation to your staff when you can’t have a party

As 2020 comes to an end, we can probably all agree that it’s time to put a bow on this year and move forward. Finishing out strong with the holidays sounds great but given the pandemic situation and social restraints, those fun and festive holidays will look much different this go round.

While year-end holiday parties are fun and social gatherings, many business owners also see this as an opportunity to celebrate the successes of the past year and show appreciation to the team that made it all possible. Often times, holiday parties turn into the time that employees are given a bonus, a raise, a gift, something in return for their hard work and commitment to their employer.

So if this year doesn’t allow for (or frowns upon) said type of party, what other ways can employees be shown how much they are valued, appreciated and celebrated? Here are a few ideas:

– Virtual get-togethers – we’ve all heard of Zoom fatigue and yes, it might be a real thing. However, a virtual holiday party doesn’t just have to be a bunch of small faces on the screen with awkward silence, a stuffy agenda, or difficulties trying to talk over each other. That doesn’t sound fun at all, right? But you can get creative with virtual get-togethers such as a cooking class, a wine tasting, trivia, games, ugly sweater contest, ornament crafting or a white elephant exchange by drawing of numbers.

– Gifts – everyone likes gifts. Even if they say they don’t. They do. Of course you can resort to a gift card that will please everyone but that also feels impersonal so 2020, right? Although functional and practical, it’s kind of the easy way out. Think along the lines of ear buds given all the Zoom meetings lately, new running shoes for the guy thatâ’s taken up more exercise during the quarantine, a weekend getaway for the person that’s put in the most hours to recharge, or a massage for the working but also stay-at-home-virtual-school-teacher mom.

– Culinary treats – A cake, a ham, a nice bottle of wine these are all things that most anyone would enjoy but also be able to share and may even lighten the load of their grocery list for the holidays.

Regardless of what you decide, the gesture will be appreciated and it’s understood that this is best we can do at this point in time. Yes, we will miss the social aspect of the party and it won’t feel quite as festive but there’s still a lot to celebrate for the deck we were handed in 2020. For companies that are still surviving, and especially those fortunate enough to be thriving, there’s a lot to be thankful for. And we can look forward to one heck of a holiday party in 2021!