A 4-Point Inspection is an examination of the current condition of a house, reviewing four major systems: roofing, electrical, plumbing and HVAC(heating and air). To limit their liability risk, this specific inspection can be requested by insurance companies before someone can renew an existing policy or be eligible for a new coverage plan.
A 4-Point Inspection is not the same as a residential home inspection in that it is not as thorough, therefore they are much cheaper. 4-Point Inspections are also delivered in a specific report format required by the insurance company while residential inspection reports can vary greatly.
What Does A 4-Point Inspection Cover?
When having a 4-point inspection completed on your new forever home, the licensed inspector will examine the following systems:
- HVAC (heating, ventilation and air conditioning): Does your home have air conditioning and central heating? If so, what are their ages, what condition are the units in and are there obvious signs of leakage?
- Electrical: What type of wiring is running throughout your house? Homes with aluminum or knob-and-tube present increased fire hazard risks and are commonly uninsurable.
- Plumbing: Are the pipes in your home made of polybutylene, which is known to cause leakage problems? Inspectors will examine pipes to gauge their likelihood of bursting, which could lead to water damage.
- Roofing: Is there apparent shingle damage or cracked tiling on your roof? Inspectors will be looking to determine the age, material and life expectancy of the roofing system.
Hanna Home Services can usually complete your 4-Point Inspection in less than an hour and deliver your report the same day.