Four Point Inspections
A four-point Inspection is an important part of purchasing a new homeowner's insurance policy or renewing an existing policy as it helps the insurance company determine if it is willing to insure the home in its current state or what improvements would be needed to obtain insurance. The focus of the inspection is to determine the approximate age of major system components and the general condition of these systems.
An insurance inspection should not be confused with a "standard home inspection" which is more comprehensive in regards to both detail and scope. The 4-point inspection consists of a visual survey of the following four systems:
- Roof - General condition of the roof, the attic for visible signs of leaks, roof covering, and the approximate year installed, insulation, skylights and ridge vents.
- Plumbing - Plumbing supply lines, type, any visible leaks under sinks, and drains.
- HVAC (Heat, Ventilation & Air Conditioning) - Interior and exterior air conditioning units, year, make, model, condition, visible corrosion, leaks and drain pan.
- Electrical - Electrical panel, grounds, breakers, type of wiring and condition of mast if overhead electric panel is present, year installed, and condition and presence of GFCI's.
Depending on state requirements, insurance companies will usually require that the inspection be performed by licensed inspector. Insurance policies vary by provider and are subject to changes based on internal criteria and federal and state guidelines. You should consult with your insurance provider concerning any specific requirements.
All services may not be offered or available in all locations. Please contact your local HomeTeam Inspection Service for a complete listing of their services. In addition, some or all of the services performed may be rendered by third party providers. Such third party providers are independent contractors and not employees, agents, partners or representatives of HomeTeam. HomeTeam does not warranty or disclaim representations made by third party providers.