Verify Insurability & Potential Discounts for Your Home
If you’re a new homeowner purchasing a new insurance policy or renewing an existing policy, a crucial part of that process should be a four-point inspection. This inspection focuses on the four main areas of interest in your home and will assist insurance companies with determining whether to insure your home in its current state or if improvements would first be required.
Move in with a peace of mind that comes from our 4 point inspection. Find a home inspector near you.
What Is A Four Point Inspection?
A four point inspection is a type of home inspection that focuses on four key areas of a home: the roof, the electrical system, the plumbing system, and the HVAC system. This type of inspection is typically required by insurance companies before issuing a policy on a home.
The roof is inspected for signs of damage and wear, such as missing or broken shingles, cracked tiles, or water damage. The inspector will also check for signs of poor installation or maintenance, such as improperly sealed flashings or incorrect venting. The electrical system is inspected for signs of faulty wiring or outdated equipment. The plumbing system is inspected for signs of leaks or corrosion, and the HVAC system is inspected for signs of wear or malfunction.
The inspector will also look for any signs of structural issues, such as foundation cracks or sagging rooflines. The inspector will make a detailed report of their findings and will provide the homeowner with a copy. This report should include recommendations for any repairs that may be necessary.
HomeTeam Inspection Service conducts four-point inspections and will determine the approximate age and general condition of your home’s major systems.
A four-point inspection covers:
- HVAC (Heating, ventilation, and air conditioning)—We’ll check both the interior and exterior of your systems to determine the year, make, model, and condition. We’ll check for visible corrosion, leaks, drain pan issues, and more.
- Plumbing—We’ll assess your supply lines and look for any visible leaks under sinks or around drains and pipes.
- Electrical—A few of our tasks include checking panels, breakers, grounds, and types of wiring. If there is an overhead electrical panel, we’ll identify the year it was installed and verify the condition of the GFCI’s.
- Roof—In addition to assessing the general condition of your building’s roof, we’ll also check the attic for leaks, determine the age of your roof coverings, and assess insulation, skylights, and other important areas.
Some insurance companies will require that your four-point inspection be performed by a licensed inspector, depending on state requirements. Make sure to consult your insurance provider to learn more about their requirements.
A Team Effort
When you count on HomeTeam Inspection Service for your four-point inspections, you can be confident you’ve made the right choice. Unlike many of our competitors, we provide a team as opposed to just a single inspector. This allows us to not only be more thorough and combine the talents and experience of multiple people, but it also allows us to work faster so that we can finish in half the time of a regular inspection.