What is a 4 Point Inspection?
A 4-point inspection involves inspecting and then preparing a report on the condition of the four primary systems listed below:
- Roofing Systems - Roof type, materials, estimated age, and assessment of viability
- Electrical Systems - Electrical Wiring and Electric Panels
- Plumbing Systems - Connections and Fixtures, Water Heater, etc.
- HVAC Systems - Heating Ventilation and Air Conditioning System
The inspector will examine these systems and write up a 4-point inspection report. The completed documentation is then provided to the client for their submission to the insurance company, or delivered directly to the insurance company depending on the situation.
When are 4-point inspections needed?
You'll know if you need one because your insurance company will request it. Typically in Florida most insurance companies require a 4-Point Inspection for homes that are 30-40 years old (or more). This isn't a concrete number, but the average range. Some insurance companies will require them even if the house is only 10 years old! Additionally, they may also request that a Wind Mitigation Inspection be performed. The 4-Point Inspection is typically required and covers the 4 home systems mentioned above.