Florida-Licensed Plumber CFC1432849 · Insurance Forms

Plumbing Certification for Homeowners Insurance in Orlando, FL

Did your insurance company send you a Plumbing System Certification Form, like the Tower Hill form, or ask for a plumbing inspection to add water damage coverage? We inspect the home, take the required photos, and sign the form with our Florida plumbing license. We serve Orlando, Kissimmee, St. Cloud and Central Florida.

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What Your Insurance Company Needs From a Licensed Plumber

Many Florida insurers will not write a policy, or will not add or increase water damage coverage, until a Florida-licensed plumber or contractor documents the condition of the home's plumbing. Older homes get asked most often. The insurer's underwriter wants the same core information no matter which form they send:

Plumbing system

  • Overall age of the plumbing and year last updated
  • Condition and estimated years remaining
  • Main water shut-off: clearly marked and known to residents

Supply & drain lines

  • Supply line material by % (copper, CPVC/PVC, galvanized, PEX)
  • Drain line material by % (PVC, copper, galvanized, cast iron)
  • Age and condition of each

Water heater

  • Location, age and condition
  • Supply line material
  • TPR (temperature & pressure relief) valve present
  • Drain pan or leak sensor present

Fixtures & hazards

  • Supply lines at toilets, sinks, laundry, washing machine, ice maker and dishwasher
  • Active leaks or signs of prior leaks
  • Corrosion, fraying, bulging or cracking

Tower Hill Plumbing System Certification Form

One of the most common requests we get is the Tower Hill Insurance "Plumbing System Certification Form" (Rev 5/2020). Underwriting uses it to evaluate water-damage risk. The form must be signed and dated by a Florida-licensed plumber or contractor and include their license number. Blessed Solutions Plumbing completes and signs it under Florida plumbing license CFC1432849.

The form also asks for color photos, and we take all of them during the visit:

Tower Hill states that its specific form is not mandatory, but any document you submit, such as a pre-sale home inspection, must give the same level of detail. If your carrier sent a different plumbing certification, supply-line form or the plumbing section of a 4-point inspection, send it to us. We fill out the form your insurer asks for.

Blessed Solutions Plumbing is an independent licensed plumbing contractor. We are not affiliated with Tower Hill Insurance or any insurance company, and we cannot tell you whether your policy will be approved. What we provide is an accurate, signed record of your plumbing's condition.

How the Plumbing Certification Visit Works

  1. Call or book online. Tell us which insurance company and form you have, plus the home's address and year built. You can send us a photo of the form.
  2. On-site inspection. A licensed plumber walks the home. We check supply and drain materials, the water heater, every fixture supply line and the main shut-off, look for active or past leaks, and take all the required color photos.
  3. Signed form and photos. We complete the form, then sign and date it with our Florida license number. You receive it along with the photos so you or your insurance agent can submit everything.
  4. If something does not pass. We explain what the insurer will flag and give you a written quote to fix it. That might be an active leak, corroded or braided supply lines, a water heater without a pan or TPR valve, or galvanized or polybutylene pipe. After the repair we can re-inspect and re-certify.

Common Reasons a Home Fails the Plumbing Certification

Old pipe materials

Insurers often flag galvanized steel and polybutylene supply lines, and in some cases cast-iron drains near the end of their life. See our re-piping service.

Aging water heater

Look for an older tank with no drain pan, a missing or blocked TPR discharge, or rust at the connections. See water heater installation.

Active or prior leaks

Typical signs are drips under sinks, stains in cabinet toe kicks and soft drywall near tiled showers. See leak detection.

Worn supply lines & hoses

Bulging or frayed braided lines at toilets, faucets, the washing machine or the ice maker are cheap to replace and are a top flag on these forms. See fixture plumbing.

Insurance Plumbing Certification

Frequently Asked Questions

Forms like the Tower Hill Plumbing System Certification Form must be signed and dated by a Florida-licensed plumber or contractor, with the license number included. Blessed Solutions Plumbing signs under Florida license CFC1432849.

Tower Hill says the specific form is not required, but whatever document you submit must give the same level of detail and photos. Other insurers have their own plumbing or supply-line forms. We complete the one your company sent.

The Tower Hill form asks for color photos of the supply lines under bathroom and kitchen sinks, the cabinet toe kicks, toilet supply lines, the water heater with its label and TPR valve, tiled showers, and washing machine hoses or laundry connections if the home has them. We take all of them during the visit.

If we find an active leak, corroded or bulging supply lines, a water heater without a TPR valve or pan, or old pipe materials, we write it on the form as found. We then give you a quote to correct it. Once the repair is done we can re-inspect and sign an updated certification.

No. It is a visual inspection that records the condition of the plumbing on the day we inspect. It is not a warranty against future leaks or hidden defects.

We serve Orlando, Kissimmee, St. Cloud, Lake Nona, Hunters Creek, Celebration, Clermont and the surrounding Central Florida area. Call (321) 732-5615 to schedule.

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