A 4-point inspection is sometimes necessary to qualify for insurance for your home. Many insurance companies require it before underwriting a policy. This type of inspection is also useful to confirm your home is safe and up to code, especially for older homes. But what is a 4-point home inspection?
The 4-point inspection is different from a standard home inspection in that it only focuses on the four major components of a house. An inspector will look at the roof, plumbing, electrical system, and HVAC system. While this type of assessment is not as in-depth as a full home inspection, it provides an overview of the major systems of your home and identifies any potential issues.
What Does a Home Inspector Look for During a 4-Point Inspection?
An inspector will examine four main systems of the property: roofing, HVAC, plumbing, and electrical. Housing standards and building codes have changed over the years, so older homes might present issues that you wouldn’t see in newer homes. Let’s break down what the inspector checks during a 4-point inspection.
If your plumbing system fails, you may find yourself with water damage and costly plumbing repairs. The condition of the pipes isn’t the only issue that might be noted. The inspector will also record the age of the plumbing pipes and what they are made of. There are certain types of pipes that are now considered to be a liability, and it may be necessary to replace some of the plumbing in order to be compliant and safe. An inspector will also inspect plumbing appliances such as the water heater.
The Roof of the Home
The roof is one of the first lines of defense you have against the elements. If your roof is old, you will likely run into problems. Because of this, many companies won’t insure houses with roofs older than forty years. A failing roof may leak water into your attic and other areas of your home. Verifying the roof is in good condition is an excellent way to protect your family and belongings.
Examining the HVAC System During a 4-Point Home Inspection
If you live in a warmer climate, insurance companies may not cover you without an HVAC system that is up to code. HVAC systems can leak or cause a fire, so it is important to make sure the unit is in good condition and functioning well.
Problems within the electrical system are dangerous to your family and your home. During a 4-point inspection, the inspector will look at the age and condition of the wiring, and the electrical panel. If any of the components or wiring are not up to code, you will be expected to make repairs. An electrical inspection helps to verify the safety of your home.
If you’re purchasing a new house, your homeowners insurance company may require a 4-point inspection. Some inspectors will perform the 4-point at the same time as the regular home inspection. Talk to your insurance company to learn about their requirements to insure your property.