One of the more common inspection options requested, especially for homes 30 years or older, is the Four Point Inspection. This insurance inspection option conducts a review of four main parts of a home, the:
The age of the roof is determined either by documented replacement or through estimation based on its condition and on construction industry practices. The overall condition and projected life expectancy are listed in the report.
- HVAC/ Heating and Air Conditioner
The age of the system is documented from the HVAC label, and any updates conducted by the homeowner (i.e. new duct work) are documented. The current condition and projected life expectancy are noted.
The type of materials used for the plumbing system are noted, as well as the condition and estimated age (or documented age based on replacement of the plumbing system). The age and brand of the water heater are gathered from the label, and the systems’ current condition are noted in the report.
The brand of the electrical panel, age of the wiring, and the type of wiring are all noted, as well as the condition of the electrical system (i.e. are wires properly installed based on code requirements and best practices).
In addition to written documentation, supporting images are taken and included in the 4-Point Insurance Inspection.