What Is a 4-Point Inspection and Why Do Insurers Want One?

The inspector examines the roof, checking its approximate age, material, and visible condition for signs of leaks or damage. They look at the electrical system, including the main service panel, wiring type, and safety features. The plumbing inspection covers water supply pipes, drain lines, and water heaters, noting the age and material. The HVAC system is checked for its age, general condition, and proper installation.

You will receive a detailed report on the condition of each system, often with supporting photos. If issues are found, your insurer may require specific repairs before issuing or renewing coverage. They could also offer a policy with a higher premium, apply certain coverage exclusions, or decline to insure the home until repairs are completed and verified. It is important to review the report carefully to understand the insurer's requirements.

These findings often lead to repair requirements from the insurance company. For instance, old plumbing may need to be updated to pass inspection. A roof with significant wear might need replacement or repair documentation. Addressing these items proactively can smooth the insurance process.

• A roof near the end of its lifespan or with missing shingles.
• Electrical panels with outdated fuses or insufficient amperage for modern needs.
• Plumbing with polybutylene or galvanized steel pipes, which are prone to failure.
• An air conditioning unit that is very old or shows signs of significant rust.
• Water heaters installed without a proper drip pan or that are past their typical service life.
• Visible water stains on ceilings or walls that suggest past leaks.