If you need a 4 point inspection to satisfy insurance company requirements, call us today. Our certified home inspector can provide your insurance carrier with a detailed report, so your insurance rates are based on facts, not assumptions. Contact us today for a free estimate.
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What is a 4 Point Inspection?
Most insurance companies are hesitant to write policies on older homes. The assumption is that the condition of the home means some issues would arise and become a liability for them. If your home is older than 20-30 years, then it will likely be necessary.
A 4 point inspection is not the same as a full home inspection. A 4 point insurance inspection focuses on four main areas of the home:
- HVAC (heating, ventilation, and air conditioning)
- All electrical wiring and panels
- All plumbing connections and fixtures
- Roof system condition and life expectancy
For the HVAC section of the report, our seasoned home inspector will provide the insurance company with photos and details of:
- The home’s air conditioning compressor
- The date tag from the manufacturer
- Age of the HVAC system
- Date of last update
- Primary heat source and type of fuel
- And more
Your insurance company wants a professional and licensed inspector to verify the age and brand name of your main electrical panel, as well as any safety hazards like blown fuses or exposed wiring.
As far as the plumbing system is concerned, the insurance carrier wants to know the age of the plumbing, what type of pipes are used, and that the entire system is working properly.
If your roof system is older than 25 years, you may be required to submit documentation of when the roof was replaced or a percentage of repairs to qualify for coverage. The insurance company will have a minimum required life expectancy for your roof in order to obtain coverage.
We recommend calling your home insurance carrier to verify what their requirements are before scheduling with us. We have a standard form for 4 point inspections, but some insurance companies will require you use their form. Better to check with them ahead of time to make sure you are adhering to their guidelines.
A 4 point inspection does not replace an extensive home inspection. Insurance companies don’t want a huge report; they want the details specific to their needs for determining risk. If you are in need of both a 4 point inspection, wind mitigation inspection, and a home inspection, please give us a call.
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We conduct thorough 4 point inspections in Tampa, St Petersburg, Clearwater, and nearby areas.