INVESTOR SERVICES / 4-POINT INSPECTION
“What is a 4-point inspection?” is a common question when purchasing a home for the first time.
This inspection provides a direct insight into the current condition of your home to a homeowners insurance company by examining four major systems: roofing, electrical, plumbing, and HVAC.
By having this inspection performed, the insurance company will be aware of the true liability they will assume if coverage is granted.
PLUMBING
Are your home’s pipes made of polybutylene, which is known to cause leaks? AllCheck Inspectors will inspect pipes to determine their likelihood of bursting, which could result in water damage.
ELECTRICAL
Do you know what kind of wiring is in your house? Homes with aluminum, or knob-and-tube wiring pose an increased fire risk and are frequently uninsurable.
ROOFING
Is your roof showing signs of shingle damage or cracked tiling? Inspectors will examine the roofing system to determine its age, material, and life expectancy.
HVAC
Is your home equipped with air conditioning and central heating? If so, how are the units doing and are there any obvious signs of leakage?
INVESTOR SERVICES / 4-POINT INSPECTION
What is a 4-point inspection?” is a common question when purchasing a home for the first time.
This inspection provides a direct insight into the current condition of your home to a homeowners insurance company by examining four major systems: roofing, electrical, plumbing, and HVAC.
By having this inspection performed, the insurance company will be aware of the true liability they will assume if coverage is granted.
PLUMBING
Are your home’s pipes made of polybutylene, which is known to cause leaks? AllCheck Inspectors will inspect pipes to determine their likelihood of bursting, which could result in water damage.
ELECTRICAL
Do you know what kind of wiring is in your house? Homes with aluminum, or knob-and-tube wiring pose an increased fire risk and are frequently uninsurable.
ROOFING
Is your roof showing signs of shingle damage or cracked tiling? Inspectors will examine the roofing system to determine its age, material, and life expectancy.
HVAC
Is your home equipped with air conditioning and central heating? If so, how are the units doing and are there any obvious signs of leakage?
Frequently Asked Questions
What is a 4-point inspection?
A 4-point inspection is a focused evaluation of four systems: the roof, the electrical system, the plumbing system and the HVAC system. It is narrower than a full home inspection and is usually requested by an insurance carrier rather than a buyer.
Why would I need a 4-point inspection?
Insurance carriers often require one before issuing or renewing a policy on an older home. The report tells the insurer the age and condition of the systems most likely to cause a claim.
How is it different from a complete home inspection?
A complete home inspection covers the whole house – structure, exterior, interior, appliances and more. A 4-point covers only the four named systems, so it is shorter and far narrower in scope.
How old does a home have to be to need one?
It varies by carrier. Requirements commonly begin somewhere around the 25 to 40 year mark, so your insurance agent is the right person to confirm whether yours is required.
How long does a 4-point inspection take?
Considerably less time than a full home inspection, because the scope is limited to four systems.
