Four Point Inspections
Comprehensive and quick inspection reports with color photographs and detailed information.
A Four Point Inspection is now required
A Four Point Inspection is now required when obtaining a new homeowners insurance policy or renewing an existing policy if the home is 20 years old or older. This 4-point insurance inspection includes a limited-scope evaluation of the following four systems.
Heating & Air Conditioning
Checked for age, installation, and operation.
Roofing
Checks are made on the age, installation, general condition, type of materials used, and life expectancy left.
Plumbing
Checks are made on the age, installation, general condition, material used, and any updates.
Electrical
Checks are made on the age, installation, type of panel and wiring, and general condition.
The focus of the inspection is to determine the approximate age and condition of the components as well as assess the remaining life expectancy of the materials/components and systems. Note: this type of insurance inspection should not be confused with a “standard home inspection” which is more comprehensive in regards to both detail and scope. This is a specific report/form for insurance companies.
Insurance Company requirement for Four-Point Inspection
The Insurance company will require that the inspections be performed by a qualified person. All of our 4-point inspections are performed with an approved state insurance form.
Of course, there are many insurance companies and inspection requirements can vary and change at any time. You should consult with your insurance provider concerning any specific requirements. See inspector licenses and qualifications by clicking here.
Wind Mitigation
Note: A wind mitigation can be performed at the same time to save you on your insurance premium and the cost of your four-point inspection, click here to find out more.
Can your home fail a 4 Point Inspection?
If the home has problematic systems or does not meet an insurance companies requirements for coverage, you could be declined. If this occurs, the items can be corrected. Common reasons for insurance companies to not insure older homes include:
- a roof with less than 5-6 years left
- a damaged roof
- aluminum wiring or knob and tube wiring due to fire hazards
- certain brands of electric panels including Federal Pacific, Zinsco, Challenger, and Sylvania due to fire hazard
- home without central heat and air
- polybutylene plumbing due to the high risk of plumbing bursts
- a hot water heater over 18 years old
What’s the price of a Four-Point Inspection?
$100 with home inspection service. Click here to see other services and prices.
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Trust our certified inspectors to provide an in-depth analysis of your home, identifying potential problem areas and offering valuable recommendations for improvement.
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