4-Point Home Inspection
A 4-point home inspection focuses on four critical systems within a property: the roof, electrical, plumbing, and HVAC. This type of inspection is commonly required by insurance companies, especially for homes over a certain age, to evaluate their insurability and risk level. It’s a concise yet thorough look at the essential components that most directly affect safety and functionality.
Why 4-Point Inspections Are Important
Insurers use 4-point inspections to assess whether a home meets underwriting guidelines. Older homes, in particular, are more likely to have outdated or deteriorated systems that can increase the risk of fire, water damage, or system failure. The inspection helps insurance providers determine whether coverage can be offered, renewed, or if upgrades are needed before a policy is issued.
What the Inspection Covers
Each of the four systems is evaluated for age, condition, and safety compliance:
- Roof: Condition, age, materials, type, and signs of damage or leaks
- Electrical: Type of wiring, panel condition, breakers, and visible hazards
- Plumbing: Type of piping, leaks, corrosion, and water heater condition
- HVAC: Age of system, operational functionality, and visible damage
The focus is not on cosmetic issues but on the functionality and safety of each of these systems.
Who Needs a 4-Point Inspection
This inspection is typically requested when:
- A home is more than 25-30 years old
- Applying for a new insurance policy
- Renewing a policy for an older property
- A prior inspection indicates concerns in one of the four systems
Completing a 4-point inspection ensures that your home meets insurance requirements and can help avoid unexpected policy cancellations or denials.
Benefits for Homeowners
Beyond satisfying insurance company requirements, a 4-point inspection gives homeowners a clear snapshot of their home's most essential systems. It can help identify aging components that may need attention and offer guidance on upgrades that improve safety and efficiency. Knowing the condition of these systems also aids in budgeting for future repairs or replacements.
Preparing for the Inspection
To facilitate a smooth inspection process, homeowners should:
- Ensure easy access to the attic, HVAC unit, and electrical panel
- Repair any known leaks or electrical issues in advance
- Have maintenance records available if possible
- Clear obstructions from key areas to help the inspector work efficiently
Being prepared can lead to a more favorable report and reduce the chances of required re-inspections.
Schedule Your 4-Point Inspection Today
If your insurance provider has requested a 4-point inspection, or if you want peace of mind about your home’s major systems, our experienced inspectors are here to help. We deliver clear, accurate reports that meet insurer standards and help you stay protected. Contact us today to schedule your 4-point inspection.