What is a 4 point inspection?

A 4 point inspection is a specialized inspection that focuses on four main areas of a home: the roof, heating, ventilation and air conditioning (HVAC) system, electrical system, and plumbing system. This type of inspection is typically done by insurance companies before providing coverage for a home, particularly for older homes or homes that have not been recently inspected.

During a 4 point inspection, a trained inspector will thoroughly evaluate these four key areas of the home to assess their condition, potential risks, and any necessary repairs or upgrades. The inspector will look for signs of damage, wear and tear, safety hazards, code violations, and other issues that could affect the home's overall safety and insurability.

The results of a 4 point inspection can impact a homeowner's insurance coverage and premiums. If significant issues are found, the insurance company may require repairs to be made before providing coverage or may offer coverage with higher premiums. On the other hand, a favorable inspection report can help homeowners secure better insurance rates and coverage for their home.

Overall, a 4 point inspection is a valuable tool for homeowners and insurance companies to assess the condition of a home's critical systems and ensure its safety and insurability. This type of inspection can provide peace of mind for homeowners and help protect their investment in their property.