4 Point Inspection
4 Point Inspection Checklist
A 4 Point Inspection looks at the 4 major systems- Roof, Electrical, Plumbing, HVAC. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition. This is not a safety inspection and does not replace a standard home inspection. They are done by a licensed inspector or building contractor.
A 4 Point Inspection looks at the age and condition of:
- Roof - Type of Roof Covering- shingles, tile, rolled. Are there missing shingles or leaks?
- Electrical System - The type of the wiring in the home- copper, aluminum, knob and tube. The brand of the electrical panel.
- Heating and Cooling - Is there central heat and air in the home? Are there signs of leaking?
- Plumbing System - Type of supply and drain lines found in the home- copper, CPVC, galvanized, lead, polybutylene, etc. Is there evidence of current leaks? The age of the hot water heater.
If your home has problematic systems, or does not meet an insurance companies underwriting guidelines, you may be declined. If this happens, you can fix that issue with a 4 point inspection, or contact another insurance company. Common reasons that insurance companies won't insure older homes include:
- a shingle roof that is over 19 years old
- a tile roof or metal roof over 40 years old
- a damaged roof
- aluminum wiring or knob and tube wiring due to fire hazards
- home without central heat and air
- polybutylene plumbing due to the high risk of plumbing bursts.
- certain brands of electric panels including Federal Pacific, Zinsco, Challenger, and Sylvania due to fire hazard
- a hot water heater over 18 years old
If your home has one of these issues, be sure to tell your insurance agent up front so you get an accurate quote.