What is a Four Point Inspection?
A “Four Point Inspection” focuses on four main areas of interest in a home:
- HVAC (Heating, Ventilation and Air Conditioning)
- Electrical wiring and panels
- Plumbing connections and fixtures
The inspection and report describes the condition and age of these elements.
Why do I need a four point inspection?
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).
Their common concern is there may be conditions in an older home which 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.
Insurance companies assume newer homes do not have these problems as frequently as older homes.
Is there a standard form to fill out?
There is no industrywide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that we fill them out. Gulf Coast Inspections has developed a form that meets the requirements of most insurance companies in Florida.
You can request a sample report and provide it to your insurance company to see if it will satisfy their requirements.
Can I fill out the form myself?
Insurance companies want these forms filled out by qualified individuals such as a licensed home inspector, electrician, general or roofing contractor.
I had a home inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?
The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document. Before you pay for a home inspection, check with your insurance company if they will require a four point inspection report. You can end up paying twice for much of the same service and information gathering.
Because of the size of a standard home inspection report from Gulf Coast Inspections, it is not in a format that your insurance company needs. However, we will transfer all the collected data to our four point inspection form free to clients who have paid for a standard home inspection. You should check with your insurance company in advance to see if our four point inspection form will satisfy their requirements.
We cannot guarantee they will accept our form and additional charges will apply if we have to use their form.