4-Point Inspection
A 4-Point Inspection is a specialized insurance inspection that evaluates four major systems of a home: the roof, electrical system, plumbing system, and heating and cooling (HVAC) system. Insurance companies often require this inspection before issuing or renewing coverage on older homes.
Why Insurance Companies Request a 4-Point Inspection
Unlike a comprehensive home inspection, a 4-Point Inspection is designed specifically to help insurance companies assess the current condition of the home's primary systems and identify potential underwriting concerns.
- Evaluate the age and condition of major systems.
- Identify visible deficiencies that may affect insurability.
- Document upgrades or replacements.
- Assist insurance companies during underwriting.
The Four Systems Evaluated
Roof
Roof covering type, approximate age, visible condition, remaining useful life, and any observable deficiencies.
Electrical System
Main electrical panel, service equipment, wiring methods, visible hazards, and overall condition.
Plumbing System
Visible supply piping, drain piping, water heater, leaks, and plumbing materials.
Heating & Cooling (HVAC)
Heating and cooling equipment, approximate age, operational status, and visible condition.
4-Point Inspection vs. Home Inspection
A 4-Point Inspection is not a substitute for a comprehensive home inspection.
A home inspection evaluates many additional systems and components, provides detailed explanations, maintenance recommendations, and helps buyers understand the overall condition of the property.
A 4-Point Inspection focuses only on the information requested by the insurance carrier.
Our Approach
We complete 4-Point Inspections accurately, objectively, and in accordance with insurance reporting requirements. Our goal is to provide clear documentation while helping homeowners understand the condition of the four major systems being evaluated.
Frequently Asked Questions
Will a 4-Point Inspection help me buy a home?
A 4-Point Inspection is designed for insurance purposes. Buyers should still obtain a comprehensive home inspection to fully understand the property's condition.
Will my home pass a 4-Point Inspection?
A 4-Point Inspection is not a pass-or-fail inspection. It documents the observed condition of the four major systems so the insurance company can make underwriting decisions.