4-Point Inspection

There are four essential elements to a home that are often covered in an insurance claim: your electrical, HVAC, water heater tank, and roof. Instead of a thorough review of the whole home, a 4-point inspection only covers the aforementioned elements. This means it’s quicker and less costly than a regular inspection, while still focusing on what your insurer will require.

What Is A 4-Point Inspection?

A 4-point inspection is an examination of a residential or commercial property’s electrical, plumbing, roof, and structural components. This type of inspection is required by most lenders and insurance companies.

Buyers inspect properties because they want to know whether the property meets all the criteria needed to qualify for financing or insurance coverage.

Home sellers should consider having a home inspection performed prior to listing the property for sale. If there are any problems found during the inspection then the seller can negotiate with buyers to lower the price accordingly.

The purpose of a home inspection is to identify defects and repair issues that might otherwise go unnoticed. Some common types of inspections include electrical, plumbing, roof/foundation, heating, air conditioning, ventilation, insulation, appliances, and fire protection.

4-Point Inspection Vs. Full Inspection

A 4-point inspection will give you a general idea about the condition of the property, but won’t provide details about specific items like appliances or plumbing. Homeowners’ insurance companies require inspections before someone can get a new policy or renew an existing one. Recently, insurance companies have been reluctant to provide coverage for homes older than 20 years because they’re concerned about their liability.

New homeowners can also take advantage of this tool to determine if the potential house they’re considering buying is actually worth their investment.

On the other hand, a home inspection gives you more detailed information about the house. It covers every aspect of the home, inside and out. You’ll examine the roof, gutters and downspouts, walls, floors, ceilings, windows, doors, garages, foundations, crawl spaces, attic space, chimneys, fireplaces, water heater, refrigerators, stoves, dishwashers, washing machines, dryers, furnaces, air conditioning units, heat pumps, hot water tanks, plumbing, wiring, heating/cooling systems, appliances, yard equipment, fences, decks, sheds, and much more.

  • Heating, Ventilation & Air Conditioning (HVAC) System

    Inspectors will look for an aged HVAC system. They will check the ductwork, vents, coils, and air filters. If you are having problems with your heating and cooling system, it might be time to call out a professional. An older system tends to leak more often. Insurers want to know about potential leaks before they make a claim.

  • Electrical

    Old wiring can cause fires and problems if there are issues with the wires or the insulating material. Homeowners’ insurance companies don’t cover damage caused by old wire unless it’s been replaced or repaired. Inspector must check the entire home before beginning any type of electrical work. If you think there may be a problem with the wiring, contact a qualified professional right away.

  • Plumbing

    Your home’s plumbing system plays an important role in keeping you comfortable at home. But it doesn’t always perform up to par. If there are problems in the plumbing system, it may cause serious damage to your house. Knowing what to look out for means knowing what to avoid.

  • Roof

    Insurance companies want to know the state of your roof before insuring your house. It’s important for homeowners to conduct annual roof inspections. If you don’t have one, it may cost you thousands of dollars later on.