4 Point Inspection
A 4 Point Inspection is a service offered to home sellers, home owners, buyers or listing realtors.
A Four-Point Insurance Inspection is far less in scope than a standard home inspection. It is typicaly performed for a homeowner when requested by their insurance company to obtain a new insurance policy or renewing an existing policy. This Four-Point Insurance Inspection is a limited, visual survey of the heating/air conditioning, roof, electrical, and plumbing systems What’s Included
Our Four Point Inspection assesses the condition of four major categories and provides information about the types of maintenance required to keep the components operating property. We deliver results in a report that is mandated by most insurance companies.
If we identify issues, we provide you with specific recommendations and next steps
A four-point inspection takes about one hour and a half and is only visual. However, if you buy an older home you might be required to have a full property inspection.
During a four-point inspection, an inspector will look at…
Electrical Wiring and Panels: What kind of wiring is in your home? If a home has copper, aluminum, or knob-and-tube wires, chances are it will not be insurable due to fire hazard risks. Faulty wires cause nearly 90 percent of residential fires, so this is something insurance companies take very seriously. If your home is found uninsurable due to wiring issues, it is vital to budget for necessary upgrades. If you don’t, your risk of fire is significantly amplified.
HVAC (Heating, Ventilation, and Air Conditioning): Does your home have central heating and air conditioning? What condition are the units in? Are there any signs of obvious damage such as leakage? Remember each insurance agency determines what it considers “acceptable” when insuring older homes; however, it’s not uncommon to see coverage denied for lack of central air and heat.
Plumbing: Inspectors at the type of pipes in your home to determine how likely they are to burst. If polybutylene plumbing is found coverage can be denied as these are more prone to bursting. However, some insurance companies may still insure you, but will exclude water damage. In that scenario, if there is a flood due to pipes bursting, you are 100 percent responsible for the total expense.
Roof: Roof age, material, and condition are what inspectors look for. Generally, insurance companies do not insure shingle roofs more than 20 years old or tile or metal roofs more than 40 years old. However, if your roof is younger but has apparent damage outside or water leaks inside your home, that might be cause to deny coverage.