Home Inspector Twin Cities

4-Point

4point

What is a 4 Point Inspection?…

Four Point Inspection  focuses only on four main areas of interest in a home:

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof

4 point inspection Bradenton

WHY DO I NEED A 4 POINT INSPECTION?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more). Their common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home. Brevard-Home-Inspection-Report   Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.

Insurance companies have three main options to follow before agreeing coverage.

  1. Agree application without an inspection assuming all risk
  2. Request the owner has a roof inspection
  3. Request the owner has a 4 point inspection

The main priority for the insurance industry is to ensure the subject property has no pre-existing defects that could become a liability after a policy is written. The roof inspection and The 4 point inspection  are the two preferred methods the insurance industry can use to control their liability and risk. In many cases the electrical system can be the most concerning with insurance because of the risk of fire associated to inadequate or defective installations. Many fire investigators discover that the cause of an electrical fire is associated to, or as a direct result of an unqualified electrical installation or adaptation.

The 4 point inspection  is a detailed assessment of the electrical, plumbing, air conditioning and the roof. The inspection is designed to identify the existing condition and assess the remaining life expectancy of the materials. All the main electrical outlets are inspected including the service panel and circuit breakers. Tests are carried out to identify if the system is overloaded from the original design.

If you are a home owner and looking to renew or buy new home owners insurance you can save yourself a lot of time and money by having your 4 point inspection  ready when you apply. Many home owners are not aware of their policy expiration dates until it is right upon them. This leaves very little time to arrange for renewals, if the insurance company then requests an inspection and you cannot get it completed in time your insurance policy may lapse and you will not be eligible for renewal discounts.

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