Many are familiar with the term 4-point inspection but not many know what a 4-point inspection consists of. There is a difference between a home inspection and a 4-point inspection; a 4-point inspection is more geared toward the home’s health in 4 areas: electrical, HVAC, roof, and plumbing whereas a home inspection reviews over 400 different aspects of a home.

Home Insurance and 4-Point Inspections

Home inspections are not legally required in most states from the buyer, although many insurance companies are now requiring a home that is 15-20 years or older have a 4-point inspection ran on them before issuing a policy for the home. This is because insurance companies don’t want to take risks with insuring older homes and they want to know that everything is up to code, well-built enough, or will last long enough to not have a claim filed against it. This also allows them to better assess what can be covered in situations where something is damaged because they know what the condition of the home was before providing compensation.

READ MORE: Can I Get Homeowners Insurance Without An Inspection?

What is Included in a 4-Point Inspection?

four point inspection for home insurance inspection tampa

Your typical 4-point inspection will include all of the following evaluations:

1.) The Roof

2.) The HVAC System

3.) The Plumbing

4.) The Electrical System

READ MORE: What to Know About Four-Point Inspections

How can I get a 4-point inspection for my client?

Contact your local home inspection company and request for this inspection to be provided for your client as soon as you are informed of the age of the home (30+ years old). This inspection is a step in the right direction when it comes to finding what needs to be done to a home before it can be put on the market. This inspection provides you with all the information on some of the largest aspects of the home that can be covered by insurance.

Looking to buy insurance for your home?

Getting this inspection done is a must when looking to ensure your home. As explained before, an insurance company will not insure your home before having this inspection done if it is 30 years or older. Depending on the insurance company they may not require all 4 areas inspected. It all depends on the insurance company and what they require but this inspection must be done to have your property insured.

4-Point Inspections In The Greater Tampa Bay Area

Looking for more information on home inspections or looking to set up an appointment to have your client’s home inspected for insurance purposes? AcuSystem Inspections can help you out! Our inspectors are trained to honor a Code of Ethics; we go further and deeper into each home to find the real condition of the house. By performing our inspections in an honorable way, we ensure that if you recommend us to prospective homeowners, everyone will be satisfied with the outcome.