Four Point Inspections are perhaps the most common inspections performed in the United States. Generally, 4 Point Inspections cover the main systems in a property including the roof, ventilation system, plumbing and electrical system.
Four Point Inspections Include:
- Heating, Ventilating, Air Conditioning System (HVAC)
- Plumbing System
- Electrical System
- Roofing and Roof Structure
How A Four Point Inspection Relates To Home Insurance
Insurance companies have become increasingly reluctant to issue homeowner insurance policies on older homes (usually 25 years old or more). A 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.
Why Do I Need A Four Point Inspection?
Since insurance companies typically have little or no detailed information for any particular property, they mitigate their risk by charging you the highest rate possible based on their assumption of a worst case scenario.
Our inspections are performed by a qualified home and property inspector from Affordable Inspections. We then provide you with a report that can be submitted to your insurance company with detailed information pertaining to the “Four Points” which is critical to determining your insurance rates.
Affordable Inspections is your source for Four-Point Inspections. We’re open 24 hours per day and 7 days per week. Call us today at 727-224-0837 and schedule your inspection.