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Four Point Inspection
Insurance providers sometimes require a four point inspection report to get a general overview of the existing condition of the roof, electrical, HVAC and plumbing systems. They want to ensure all four systems are in good working order or have been updated prior to providing insurance coverage on the property. Along with the standard state form, many insurance underwriters require specific reporting criteria. If your agent has informed you that you need a 4-Point Inspection make sure to inquire about any specifics the insurer is requesting, that way they won’t bounce the report back, costing you additional time and expense.
Let us do all the heavy lifting. With your permission, we’ll get in contact with your agent to make sure all the required information and images required by the underwriter is included in the report.
Four Point Inspection Criteria
Roof
Home insurance companies typically require the roof to have a minimum of 3-5 years of life expectancy remaining. Any signs of water intrusion (active or past), deterioration of materials and repairs are also noted.
HVAC
The heating, ventilation and air conditioning system should be in good working condition, routinely maintained and have no signs of damage or deterioration to be insurable and receive the best premium.
Electrical
Outdated electrical panels, wiring, receptacles and any other potential safety hazards or improperly installed components can make your home more susceptible to fires.
Plumbing
Home insurance companies want to know if there are any signs of (active or past) leaks. Certain types of plumbing materials, such as corroded cast iron, polybutylene and clay may be considered red flags for insurers.