4-Point Insurance Inspection
A Four-Point Insurance Inspection is typically performed for a homeowner when requested or required by their insurance company to obtain a new insurance policy or renew an existing policy.
A Four-Point Insurance Inspection is far less in scope than a standard home inspection. This Four-Point Insurance Inspection is a limited, visual survey of the roof, electrical, heating/cooling, and plumbing systems.
Reasons a house may not pass a 4 point inspection
(ultimately pass/fail is determined by insurance co)
- Signifigantly worn, damaged, or missing roof covering.
- Roof deck has wood rot.
- Sag between trusses / rafters.
- Less than 3 years of remaining useful life.
- Smoke detectors missing or inoperable.
- Main Panel is not grounded.
- Outlets not properly wired (not grounded, hot/neutral reversed, etc)
- 100 Service amps.
- Knob & tube or aluminum branch circuit wiring, Missing GFCI protection within 6 ft of a water source, If you have a Challenger Sylvania, Zinsco or Federal Pacific branded electrical panel.
- Exposed wires (INCLUDING ceiling light / fan fixtures).
- Main shut off valve to house is missing or does not work.
- Shut off valves (under counters / behind toilets) are unable to be turned or don’t work.
- Heavy corrosion on water supply lines &/or to/from water heater.
- Poor water pressure &/or slow draining sinks, tubs, showers.
- Does not heat properly / does not cool properly.
- Drain pan has water in it.
- Portable units (as primary).
- Dirty or corroded coils.
- Condensation / poorly insulated unit &/or return lines.