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2018-09-15 13:40:52
What Exactly Is A 4 Point Inspection

Jim Reynolds, the Home Inspector recommended on our website, has provided us with information regarding a 4 Point Inspection for those of you who are wondering what exactly this type of inspection entails!

Per Jim, usually on older homes, the Insurance Company may require the Buyer to have a 4 Point Inspection done, which can be performed by a Home Inspector. It is separate from the home inspection and goes into detailed questions on the four major components only...the roof, plumbing, heating/cooling, and the electrical.  The Insurance Company may take issue with a certain deficiency and require a repair before insuring the home.

Right now, there is not a set age for knowing if an Insurance Company will require the 4 Point Inspection or not.  For homes that were 30 yrs. or older it was a given, now we are seeing Insurance Companies requiring them on a wide range of ages, even 10 yrs. old.  When Buyers are getting ready to set up their Home Inspection, Jim feels it would be a great idea for them to call an Insurance Company for a quote and ask them what they will require for insurability.  The Insurance Company may want a wind mitigation report as well, which can give them premium discounts! It is very important for the Buyers to know which inspections they need and also to get them all done at the same time during the inspection period.

Hopefully, the above information will answer some of your questions.  If you have any additional questions, please feel free to let us know!!

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2018-09-15 13:40:52
What Exactly Is A 4 Point Inspection

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