Four Point Inspection

A "Four Point Inspections" focuses only on four main areas of interest in a home:

HVAC (Heating, ventilation and air conditioning)

Electrical wiring and panels

Plumbing connections are fixtures

Roofing

The inspection and report describes the condition and age of their elements.

Why do I need a Four Point Inspection?

Insurance companies have become increasingly reluctant to issue homeowner insurance policies on older homes (usually 20 years or older).

Their common concern is that there may be conditions in older homes that could become a liability to them. For instance; a home with a roof nearing the end of its service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for the damages to the home or is contents. Similar concerns extend to the condition of the HVAC, electrical and plumbings systems in an older home.

If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.

Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.