{
 "question": "What should I inspect in a 1920s or 1930s house?",
 "url": "https://shenandoahmiami.com/answers/inspect-1920s-house/",
 "answer": "In Florida, insurers set most age-related checks: Citizens requires a 4-point inspection on homes over 20 years old, and insurers must discount wind-mitigation features under Fla. Stat. §627.0629. Roof age and City of Miami permit history follow. In Shenandoah, 109 of the 229 homes sold in the 24 months to September 28, 2026 were built before 1940.",
 "short": "4-point and wind mitigation",
 "category": "Buying",
 "dateModified": "2026-10-30",
 "dataThrough": "2026-09-28",
 "author": {
  "name": "Gatien Salaun",
  "brokerage": "Coldwell Banker Realty",
  "license": "SL3347568",
  "url": "https://shenandoahmiami.com/about/"
 },
 "attribution": "Based on information from the Southeast Florida Multiple Listing Service (SEFMLS) or from MIAMI Association of REALTORS® for the period September 27, 2022 through September 28, 2026. Data is deemed reliable but is not guaranteed accurate by the MLS and may not reflect all real estate activity in the market.",
 "table": {
  "caption": "Checks that apply to an older Shenandoah house, with the pre-1940 share of sales from the 24 months to September 28, 2026.",
  "columns": [
   "Check",
   "What it covers",
   "Who asks for it"
  ],
  "rows": [
   [
    "4-point inspection",
    "Electrical, plumbing, heating and air conditioning, and roof; required by Citizens for homes more than 20 years old; no termite check",
    "Insurer, not the state or county"
   ],
   [
    "Wood-destroying organism (termite) inspection",
    "All wood-destroying organisms, on a state-prescribed report; visible damage and areas not inspected are listed",
    "Buyer or lender; Fla. Stat. §482.226 sets the report"
   ],
   [
    "Wind-mitigation features",
    "Roof strength, roof-to-wall connection and opening protection earn insurance discounts",
    "Insurers, under §627.0629(1)"
   ],
   [
    "Roof age and life",
    "Under 15 years: no refusal on age alone. At 15 or more: no refusal on age alone if an inspection shows 5 or more years of life",
    "§627.7011(5)"
   ],
   [
    "Permit history",
    "City of Miami iBuild shows permit status, dates and missing inspections (\"Why Not Final\")",
    "City of Miami"
   ],
   [
    "Flood zone",
    "14 of 14 sampled Shenandoah points are FEMA Zone X, minimal flood hazard",
    "FEMA"
   ]
  ]
 }
}