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Four Point Inspection
Insurance companies sometimes require a four point report to get an overview of the condition of the roof, electrical, HVAC, and plumbing systems. They want to make sure all four systems are in good working order or have been updated before providing insurance on the property.
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Roof
Most insurance companies require the roof to have at least 3-5 years of life expectancy remaining. Any signs of leaks (past or present), deteriorated materials, and repairs are also noted.
Electrical
The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.
HVAC
Insurance companies want to see that the heating and cooling system is in good working condition, that it has been regularly maintained, and that there aren’t signs of damage or deterioration.
Plumbing
Certain types of plumbing, such as polybutylene and deteriorated cast iron, may be considered red flags by insurance companies. They also want to know if there any signs of leaks.
Frequently asked questions
How do I pass a four point inspection?
A four point inspection is not a pass or fail, however, an insurance company may request repairs after a four point inspection is completed in order to qualify for insurance. Some insurance companies may provide a grace period of about 30 days after a home purchase to repair/fix items noted in the four point inspection.
How long is a four point inspection good for?
A four point inspection is generally good for the life of the policy or until the insurance underwriter wants to request a new inspection (which is rare). That being said, a new four point inspection may be requested if a home is sold regardless if the seller has a previous four point available.
How long does a four point inspection take?
It depends on the home’s age, size, and complexity, but they usually don’t take longer than an hour to an hour and a half.
Does an inspector need to come back out to re-inspect after repairs have been completed?
Most insurance companies will want a “clean” report before they are willing to insure the home. If deficiencies are noted on the four-point report and the seller makes repairs, an inspector will need to return to the home to verify that the repairs have been completed. Then an updated four-point report will be created to send back to your insurance company.
There is a trip charge if the inspector needs to go back to a home to verify repairs have been completed.
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