Four-Point Inspections in Southeast Florida
Verify Insurability and Bind Insurance for Your Home.
A four-point inspection may be an important part of purchasing a new homeowner's insurance policy or renewing an existing policy. It helps the insurance company determine whether to insure the home in its current state or what improvements would be needed to obtain insurance. The focus of a four-point inspection is to determine the approximate age and general condition of major system components.
An insurance inspection should not be confused with a "standard home inspection," which is more comprehensive in regards to both detail and scope.
A four-point inspection consists of a visual survey of the following four systems:
- Roof – Assessing the general condition of the roof, attic (visible signs of leaks?), roof covering (approximate year installed?), insulation, skylights, and ridge vents
- Plumbing – Evaluating plumbing supply lines and types and checking for any visible leaks under sinks or around drains
- HVAC (Heat, Ventilation & Air Conditioning) – Verifying interior and exterior air conditioning units' year, make, model, and condition (visible corrosion, leaks, or drain pan issues?)
- Electrical – Checking electrical panel, grounds, breakers, type of wiring, and condition of mast – identifying year installed and verifying condition and presence of GFCI's.
Depending on state requirements, insurance companies will usually require that the inspection be performed by a licensed inspector. Consult your insurance provider concerning any specific requirements.
Once a home reaches a certain age (25-30 years), many insurance carriers would like to the condition and any updates completed to the four main sources of insurance claims: the Roof, Plumbing, Electrical and HVAC systems. HomeTeam’s Four-Point Inspection also known as the 'Insurance Quote' inspection, sets the standard. No company has the reputation with insurance companies that HomeTeam has built over more than 15 years. We know the scope of what they are looking for and we know how to present it to Agents and their Underwriters. Our “in house” Quality Control Agent will talk with your Insurance Agent through the insuring process.
We are the company that has an approved DBPR Continuing Education Provider/Instructor on our staff. View our Sample report.
Pre-Sale Four-Point Inspections
HomeTeam is offering this exciting product to assist Sellers and Listing Agents. Many closings are being impacted (delayed) by the late realization that there is a problem, however small, that is preventing the buyer from securing insurance. Call us to schedule this inspection before you list your home, and with a comprehensive Four-Point, prospective buyers will be practically assured that an insurance issue will not disrupt closing. When they purchase the home this inspection will be reissued for a $50 feein the name of the Buyer, provided the Buyer purchases the home within 6 months of the inspection. Give your home listing a powerful edge over others by taking these insurance issues off the table.
We are the company that has an approved DBPR Continuing Education Provider/Instructor on our staff.
Call us at (954) 945-9149 to obtain an inspection that you know the underwriters will trust.