What is a 4 Point Inspection and do I need one?
Most insurance companies today require a 4 point inspection to be performed on a home in order for you, the home buyer to receive Home Owners Insurance. These 4 point insurance inspections are to be performed by certified, licensed and insured home inspectors and can not be performed by the home owner themselves.
What does a 4 Point Inspection cover?
All 4 Point Inspections include a limited scope evaluation of the following four most specific systems and components:
•Roof- Insurance companies want to know the condition of the roof as well as the approximate year the roof might need to be replaced.
•Plumbing - Insurance Companies are looking for what kind of piping (copper, plastic etc.) is being used, dates if the system has been upgraded , any leaks or flaws and information about the hot water heater.
•Electrical System - They want to know size of the main service, any dangerous wiring, dates of any upgrades and then SOME not all Insurance Companies want to know the maker of the electric panel and if there is any aluminum wiring.
•Heating and Air Conditioning - Looking for the date of installation, approximate life of the unit and if the system if functioning correctly.
I've had a Home Inspection already so can't I just use that report?
Insurance Companies will not accept home inspection reports because they are looking for specific information. Your home inspection report is very detailed and they only want the 4 point inspection. We suggest that you contact your insurance company before you have a home inspection performed to verify if you will need a 4 point inspection or not. This way if you do, while we are there we will gather the necessary information for your 4 point inspection.