Four Point Inspection
H&H Real Estate Consulting
A Four Point Inspection is one that is carried out to satisfy the insurance requirements when a homeowner is purchasing a homeowner’s insurance policy or renewing their existing policy.
This type of inspection covers the four main points of a home. These points are the most common areas that result in an insurance claim and the insurance company wants to be assured that these elements are in sound, working order. This inspection is carried out in a methodical way so as to check the age, parts, and condition of the four areas of the home.
An insurance carrier wants to make sure they do not ensure a home that has existing damage or is in poor condition. This is not the type of inspection used to purchase a home.
- Roofing – Estimated remaining life, condition, type and damage.
- Electrical – Electrical panel is inspected for brand, wiring types and hazards.
- Heating and Air Conditioning (HVAC) – Visually inspected to determine the age and the condition of the system. Also inspected for hazards.
- Plumbing – The plumbing under sinks visually checked for signs of leaks, material and to estimate the age. The water heater is inspected for age, leaks, and hazards.
Why do I need a Four Point Inspection?
Many homeowners wonder why a Four-Point inspection is needed in their home. Most insurance companies require this type of inspection before they will cover a home. This requirement is often imposed on older homes, or homes near coastal areas. These homes have higher potential of hurricane risk, therefore, need special insurance.
The insurance company wants assurance that the home does not have safety and other issues that could result in costly claims such as fire and water leaks. This inspection must be carried out before coverage can begin. If any issues are found, they have to be corrected and another inspection must be carried out.
How are problems detected?
This is a visual inspection. Our inspector will look at the roof, electrical panel, under the sinks, water heater and air conditioning system. We are looking for hazards that insurance companies do not want to insure.
What can I expect from a Four Point Inspection?
Our company takes the hassle out of this type of insurance inspection with a thorough inspection.
We will guide you through the process and answer any questions or concerns that you might have. If any issues are found you will have detailed report, so that you are able to understand the repairs and corrections that must be made so that you can get your insurance coverage.
Remember a four-point inspection has nothing to do with a home inspection.
It is a completely different process.
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