Buyers need to Understand The Four Point Inspection. Why most insurance companies require this? Insurance companies have guidelines that may be able to apply discounts.

A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home.   An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition. This is not a safety inspection.  Always use a licensed inspector or  building contractor.

Insurance Companies are being so careful insuring homes, inspecting to confirm the property is in good condition.

Here is what a 4 point inspection looks at:

  • Roof -  Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
  • Electrical System - The type of the wiring in the home (copper, aluminum, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
  • Heating and Cooling - Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
  • Plumbing System -   Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutylene, etc. Is there evidence of current leaks?  The age of the hot water heater.

Some insurance companies like Citizens Insurance, require the inspector to use their form. Other insurance companies allow the inspector to use their preferred format.  In addition to the written report,  the inspector will take photos of each of the major systems to provide to the insurance company.

Can I use my regular home inspection instead?

4 point vs full inspection

You can provide your insurance company the full home inspection in lieu of a 4 point inspection. However, we strongly recommend that you don't do this.  In our insurance agency, we ask clients to provide only a 4 point inspection rather than the entire inspection. Often, a home inspection will also list other minor and/or cosmetic damages. We don't recommend sending all the minor issues to your prospective insurance company (unless you have been asked to do this).

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