4-Point Inspection


Has your insurance provider asked you to have a 4-point in Inspection performed?

Four Point Inspection for Homes

Before insurance companies issue policies on 25-year old homes and older, many will require a Four Point Inspection to be performed first. This specialized service focuses on four areas of concern, which carry the highest liability for insurers. Our specialized 4-point inspection services are designed to provide you with a comprehensive assessment, giving you peace of mind and confidence in your home. Our 4-point inspections cover the four components of your home listed below:





ROOF

Your roof is your first line of defense against the elements. Our inspectors meticulously assess the roof’s age, condition, and any signs of wear and tear. From missing shingles to potential leaks, we leave no stone unturned, ensuring your shelter remains secure.






PLUMBING

Water is life, but when it comes to your home, it can also be a source of concerns. Our inspectors scrutinize the plumbing system, checking for leaks, pipe integrity, and proper drainage. Identifying issues early can prevent water damage and ensure the smooth flow of this precious resource.






ELECTRICAL

The heart of your home’s functionality lies in its electrical system. We inspect wiring, outlets, and panels to detect any potential hazards. Safety is paramount, and our detailed examination aims to address electrical concerns, providing you with peace of mind.






HVAC

Comfort is key, and your heating, ventilation, and air conditioning (HVAC) system play a pivotal role. We assess the functionality, age, and overall condition of your HVAC equipment. Proper maintenance can enhance energy efficiency and contribute to a healthier living environment.


Inspection Reduces Hazards

  • If these systems were not properly installed when the property was first built, or have come to need expensive repairs, a home inspection will suggest necessary steps to reduce any potential hazards.

  • A Four point Inspection is not a substitute for a full home inspection. For your protection, a full home inspection is always recommended. This examination can detect issues that are easily missed in a simple walk-through or visit to a property in a number of areas: 

PREPARING FOR A 4-POINT INSPECTION

Plumbing: Insurance companies require visible photos of shutoffs under sinks, beside toilets, washer hose connections, and the water heater. It’s recommended to clear obstructions for the inspector to capture these photos. Remember, personal items might be photographed. Consider removing stains that might appear as leaks when none exist. Sometimes, despite plumbing being in good working order, an underwriter might misinterpret a stain as a leak in the report.

Electrical: No action is necessary except to ensure access. Inspectors cannot move furniture due to liability concerns. Ensure access to all breaker/fuse panels and provide any information on system updates. Inform the inspector if aluminum connectors have been utilized.

Roof: Simply allow access. Some insurers require photos from the roof’s top, if safe. If unable to locate a permit, knowing the roof’s age is crucial. Permits older than 10 years might be unverifiable.

HVAC System: Access should suffice. Inspectors can determine the system’s age from the data plate. If the plate is faded, provide alternative information. Remove any items you prefer not to be captured in photos.

The onsite visit is brief if the inspector can access the required items.

We work for the client and not the insurance carrier. So, ask us anything you may have a concern over.

Prepare the property by removing debris, vegetation, and items the client doesn’t want visible before the inspection. Trim any limbs in contact with the home or roof.

Inspectors can’t misrepresent non-working conditions as functional. Address any noted issues before reports are sent.

Accurate updates and when they were conducted are crucial, especially for older homes. Insurance companies favor updates to aging systems.

Roof covering has emerged as a significant issue due to replacement costs. However, inspectors don’t engage in roof replacements. Delaying inspections until last minute can pose issues.