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:
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:
If your home has one of these issues, be sure to tell your insurance agent up front so you get an accurate quote.