Four-Point Inspections

A four-point inspection is a specialized assessment that focuses on four key areas of a property: the roof, electrical system, plumbing system, and HVAC (heating, ventilation, and air conditioning) system. Typically, four-point inspections are requested by insurance companies for older homes or properties to assess the condition of these critical components.

During a four-point inspection, a qualified inspector examines each of these four areas to evaluate their condition, age, and functionality. This involves checking for signs of wear and tear, damage, or potential hazards that could affect the safety or insurability of the property.

The purpose of a four-point inspection is to provide insurance companies with detailed information about the property's key systems, helping them assess the risk associated with providing coverage. By identifying any issues or deficiencies upfront, property owners can take steps to address them and potentially reduce insurance premiums or avoid coverage denials.

Four-point inspections are commonly required for older homes or properties with outdated systems, as they help insurance companies understand the property's risk profile and determine appropriate coverage levels. Overall, a four-point inspection provides valuable insight into the condition of essential components of a property and helps ensure its safety and insurability.