A Four point insurance inspection is a specific inspection that is done at the request of insurance companies. When you purchase a new home or renew an existing policy, a four point inspection may be required to get insurance on the property.

Insurance companies have become progressively more hesitant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).

Insurance companies common concern is that there could be conditions in older homes that could become a liability. For example; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.

A “Four Point Inspection” zeros in on four areas of a home:

• HVAC (Heating, Ventilation and Air Conditioning)

• Electrical wiring and panels

• Plumbing connections and fixtures

• Roof

The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated. In most cases, the forms are provided by the insurance companies to their clients. The clients then ask the inspector to fill the form out during the course of the home inspection.

For more information about a Four Point Inspection or any of the other services that we offer call us at (941)232-0393 or email us at jason@srqinspections.com