If you’ve looked through the services we offer on our website you would have noticed we offer 4 point home inspections. Although a brief explanation is covered in the “Inspection Services” area of our website we thought we’d provide a bit more detail in this blog post.
What is a 4-point home inspection?
A 4-point home inspection is a focused examination of four key systems: roofing, electrical, plumbing, and HVAC. It is primarily used by insurance companies to assess a property’s risk before issuing a homeowner’s policy.
Insurance companies typically ask for these on older homes (25 yrs and older), but in actuality they can ask for one at any time. The inspection determines the condition, age, and type of these systems to help the insurer decide on coverage and cost.
What a 4-point inspection covers
Roofing
The inspector checks for damage like broken or missing shingles, signs of water damage, and the overall condition and remaining lifespan of the roof.
Electrical
This includes the main electrical panel, wiring type, and any potential hazards like faulty wiring or recalled components.
Plumbing
The inspector looks at the type of pipes, signs of leaches or corrosion, and the overall condition of fixtures and connections.
HVAC
The inspection evaluates the heating, ventilation, and air conditioning systems for their condition and functionality.
Why it is required
Insurance underwriting. Insurance companies use the results to determine if the home’s systems present an unacceptable risk, which could lead to future claims.
Risk assessment
A 4-point inspection provides the insurer with a clear picture of the age and condition of the most critical systems, which can significantly influence the decision to insure the home.
Policy issuance
It is often a requirement for obtaining a new homeowners insurance policy or renewing an existing one.
How it differs from a full home inspection
A 4-point inspection is much less comprehensive than a standard home inspection. It specifically focuses on the four major systems and does not cover other potential issues like foundation, interior finishes, or landscaping.
A 4-point inspection takes less time than a full home inspection (1-2 hours) and tend to cost less than a full inspection.
Pricing and availability
Pricing for our 4-point inspection can be found here. They area available during our regular business hours. You can schedule them through our website or send us an email at br****@***************on.com.
#actionableintelligence #informeddecisions #4pointinspection
