4-Point Inspection Services
A four-point inspection is a home inspection that only looks at the four major systems of your home and assesses it for insurance risk. During a four-point inspection, an inspector evaluates how up-to-date four key systems are in your home, namely your:
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Electrical wiring and panels.
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Heating, ventilation, and air conditioning (HVAC).
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Plumbing.
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Roof.
Four-point inspections identify the key areas that that lead to most insurance claims. If a home fails all or part of the inspection, the inspector will go over what deficiencies need to be fixed or replaced. The corrections may be necessary to obtain home insurance.
4-Point Inspection vs. Home Inspection
A four-point inspection is specifically for homeowners insurance, and shouldn’t be confused with a new home inspection (also called a buyers inspection, real estate inspection, or home inspection depending where you live). This distinction is important because the new home inspection is required to close on a home and meet eligibility criteria for your mortgage. It also takes two to three hours to complete. A four-point inspection takes about 60 minutes and is only visual. However, if you buy an older home you might be required to have both inspections for coverage.
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