Four systems insurers want to see.
A focused review of roof, electrical, plumbing and HVAC, commonly requested by insurers for older Florida homes.
4-Point Inspection
A 4-point inspection looks at four major systems only: the roof, electrical, plumbing and heating and cooling. Insurance companies commonly ask for one when a home reaches a certain age, because those systems drive many claims. It is narrower than a full home inspection. Think of it as a snapshot of the four systems that insurers care about most.
Caleb Charbonneau documents the age, type and condition of each system as he sees it. The report is meant to give your insurer the facts it needs. Requirements differ from one company to another, so check with your agent about what your policy needs. A short call to your agent first can save you a second visit later on.
The four systems reviewed.
- Roof covering type and condition
- Visible roof wear and damage
- Electrical panel and branch wiring
- Visible outlets, fixtures and grounding
- Plumbing pipe materials and leaks
- Water heater condition and age
- HVAC equipment type and operation
- Notes on aging or unsafe components
The right time to call.
Three situations where this inspection earns its keep.
When insurance asks for it
Many insurers request a 4-point report before they write or renew a policy on an older home. Your agent can tell you if yours does.
When buying an older home
If the house is older, getting the 4-point report early can show whether insurance might be a hurdle before you close.
When switching carriers
A new insurer may ask for current documentation of the same four systems, even if you have owned the home for years.
Good to know.
Is this the same as a full inspection?
No. A 4-point inspection covers only the roof, electrical, plumbing and HVAC systems. It does not review the full structure, interior or other items. If you want a broader picture, ask about a full home inspection as well. Many owners schedule both when they are buying an older home and want the whole story.
Will my home pass?
There is no pass or fail grade. The report describes condition. Whether an insurer accepts a home depends on that company's own rules, and some may ask for repairs or updates first. Your insurance agent can explain. Ask your agent if they want it on a specific form.
How old is too old?
It varies by insurer and by system. Many companies pay close attention to the age of the roof, wiring and plumbing materials. Ask your agent which ages or materials your carrier flags. Do not guess, because the answer changes by carrier.
Often booked together.
Records wind-resistant features of your home, which may qualify you for homeowner insurance premium discounts.
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A top to bottom visual review of a home's major systems and structure, explained in plain language.
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An inspection timed for homebuyers, so you understand a property's condition before your option period ends.
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- Full Home Inspection
- Pre-Purchase Inspection
- Pre-Listing Inspection
- 4-Point Inspection
- Wind Mitigation Inspection
- Pre-Pour Inspection
- Pre-Drywall Inspection
- New Construction Final Inspection
- Builder Warranty Inspection
- Move-Out Inspection
- Rental Inspection
- Indoor Air Quality Testing
- Mold Swab Testing
- Well Water Testing
- Pool & Spa Inspection