4-Point Insurance Inspection

A 4-Point Insurance Inspection is a specialized inspection often required by insurance companies for older homes before issuing or renewing a homeowners insurance policy. Unlike a full home inspection, a 4-point inspection focuses solely on the four major systems that insurance providers use to evaluate a property's insurability and overall risk.

What's Included

Our inspection evaluates the condition, age, and general functionality of the home's four primary systems:

Roofing System

We assess the roof's overall condition, including:

• Roof covering type and estimated age
• Visible signs of damage or deterioration
• Remaining useful life
• Evidence of leaks or previous repairs
• Roof penetrations, flashing, and drainage

Electrical System

We inspect the home's electrical system, including:

• Main electrical panel and service equipment
• Panel manufacturer and amperage
• Visible wiring methods and materials
• Grounding and bonding
• Signs of overheating, improper wiring, or other safety concerns

Plumbing System

Our plumbing evaluation includes:

• Supply and drain piping materials
• Visible leaks or plumbing deficiencies
• Water heater condition and age
• Functional water flow at representative fixtures
• Signs of corrosion or deterioration

Heating & Cooling (HVAC) System

We evaluate the primary heating and cooling equipment, including:

• System type and estimated age
• General operating condition
• Visible deficiencies or damage
• Heating and cooling performance at the time of the inspection
• Equipment identification and documentation

Detailed Insurance Report

You'll receive a professional report that includes:

• Required insurance inspection forms (when applicable)
• Photographs of each major system
• System age and condition
• Documentation requested by insurance carriers
• Observed deficiencies that may require repair or further evaluation

Why Choose a 4-Point Inspection?

Many insurance companies require a 4-point inspection for homes that are older or have aging systems. This inspection provides the information insurers need to evaluate the property's condition and determine eligibility for coverage.

Whether you're purchasing an older home, renewing your homeowners insurance, or meeting your insurance carrier's requirements, our 4-Point Insurance Inspection delivers accurate, professional documentation to help keep your transaction moving forward quickly and efficiently.