THE 4-POINT INSPECTION CONSISTS OF A VISUAL SURVEY AND PHOTOS OF THE 4 MAIN COMPONENTS OF A HOUSE.
INSURANCE COMPANIES WANT TO DETERMINE ARE THESE COMPONENTS IN GOOD WORKING CONDITION AND WORKING AS INTENDED WITHIN THE MANUFACTURER’S SPECIFICATION. IF AN OLDER HOME, HAVE THE SYSTEMS BEEN UPDATED?

WHAT’S REVIEWED DURING THE INSPECTION? ELECTRICAL SYSTEM – THE TYPE OF WIRING IN THE HOME. THE BRAND OF THE ELECTRICAL PANEL. THE PRESENT CONDITION OF THE ELECTRICAL SYSTEM. HVAC – IS THERE CENTRAL HEAT AND AIR IN THE HOME? THE CONDITION AND AGE OF THE SYSTEMS. THE DATE OF LAST SERVICE OR INSPECTION. ROOF – THE TYPE OF ROOF COVERING (TILE, SHINGLES, METAL, ROLLED). THE CONDITION AND AGE OF THE ROOF. DATE OF THE LAST PERMIT? ARE THERE VISIBLE SIGNS OF DAMAGE OR DETERIORATION? PLUMBING SYSTEM -THE TYPE OF DRAIN AND SUPPLY LINES FOUND IN THE HOME (PVC/CPVC, COPPER, GALVANIZED, PEX, POLYBUTYLENE). THE AGE OF THE HOT WATER HEATER. IS THERE A TEMPERATURE PRESSURE RELIEF VALVE ON THE WATER HEATER? IS THERE ANY EVIDENCE OF CURRENT/PAST LEAKS? WHY DO INSURANCE COMPANIES REQUIRE THIS REPORT? INSURANCE COMPANIES REQUIRE THIS REPORT TO IDENTIFY THE CONDITION AND AGE OF THESE COMPONENTS IN OLDER HOMES, LIMITING EXPOSURE AND MITIGATING RISK. THE 4-POINT INSPECTION IS INTENDED FOR INSURANCE PURPOSES AND NOT INTENDED IN PLACE OF A FULL HOME INSPECTION.