Four-Point Insurance Inspections

If a home is close to, or over 30 years old, insurance companies may request a four-point report. This report is an overview of the general condition of the roof, electrical, HVAC, and plumbing systems. Insurance companies want to make sure all four systems are in good working order or have been updated because the home is older.

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The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.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.

The Waypoint team were very professional, understanding and educational. I am so happy I was able to book them last minute to inspect my new home. If it were not for them, so many things could have been missed since I’m a first time homebuyer.

Google ReviewerFunLizz

Need a four-point report?

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