Four Point Insurance Inspection
A “Four Point Inspection” or sometimes called an insurance inspection focuses only on four main areas of interest in a home. They are the roof, HVAC system, electrical and plumbing. Your insurance company may request a four point inspection if the house is older than typically 25 years. A four point inspection is a tool that insurance underwriters and insurance companies use to determine risk.
The insurers concern is there may be conditions in an older home that could become a liability. For instance a home with a roof nearing the end of its useful life may fail while under the policy and the homeowner may seek reimbursement from the company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems. 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.
There is no industry wide 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 they are filled out by qualified individuals.