4 Point Insurance Reports
4 Point Insurance Reports
A 4-point insurance inspection is a focused evaluation of a home’s four major systems: the roof, electrical, plumbing, and HVAC (heating, ventilation, and air conditioning). Insurance companies typically require this inspection for homes over 20 years old to assess potential risks before issuing or renewing a homeowner’s insurance policy.
Key Components:
-
Roof: The inspector examines the roof’s condition, noting its age and any visible damage or wear.
-
Electrical System: Assessment includes checking the electrical panel, wiring, and outlets for safety and compliance.
-
Plumbing System: Inspection covers visible pipes, fixtures, and water pressure to identify leaks or outdated materials.
-
HVAC System: Evaluation of the heating and cooling systems for functionality and efficiency.
This inspection provides insurers with a snapshot of the home’s condition, helping them determine coverage eligibility and premiums. It’s important to note that a 4-point inspection is not a comprehensive home inspection; it focuses solely on these four critical systems.