What Is A 4 Point Inspection?
Sometimes insurance companies will request a 4 point inspection. Usually if the home is over 30 years old. But, sometimes they ask for it if the house is newer, it really depends on the company. Basically, a 4 point inspection is a brief overview of 4 systems of the home so the insurance company can get an idea of what they are insuring. The company wants information on whether the systems have been maintained or updated. Below are the categories involved in a 4 point insurance inspection.
A 4 point inspection includes a brief overview of the categories below:
- #1 Roof: The insurance company will want to know if there are any major and obvious defects, or repairs with the roof. They also typically want to know how old the roof is and if it has been replaced recently. Usually the insurance company also wants to know the remaining life expectancy of the roof. Your inspector will estimate this as closely as possible. However, in Florida, extreme weather can cause unforeseen wear and damage.
- #2 Electrical: The insurance company will want to know what type of wiring is in the home, the type of electrical panel and if there are any electrical safety hazards, or improper installations and updates.
- #3 HVAC: The insurance company will want to know if the heating and cooling systems of the home are in good working order, if they have been maintained or replaced, and if they are damaged, deteriorated or installed improperly.
- #4 Plumbing: The insurance company will want to know if there are any leaks or signs of leaks. They will also want to know what type of plumbing material is in the home and if it is damaged or deteriorated. Some types of plumbing have a history of failure and poor operation. They will also want to know if the plumbing is installed properly.
Book your 4 point insurance inspection with a Top Inspector today!
Please note: this is a brief overview of systems and does not constitute a full and thorough home inspection! If you would like a full home inspection with a Top Inspector, click here to learn more!