Understanding A 4-Point Insurance Inspection and Who Needs One

What is a 4-Point Insurance Inspection ?

A 4-point insurance inspection investigates four key sections of a house: the roof, plumbing, electrical, and HVAC (Heating, Ventilation, and Air Conditioning) systems. Insurance companies usually mandate this type of inspection for homes over 30 years old or in regions susceptible to particular dangers such as hurricanes or other natural disasters. Its purpose is to evaluate the condition of these vital systems to determine their insurability and potential risks. To understand 4-point insurance inspections, including who requires them, the associated cost, and scheduling procedures, read on.

  • Who Needs A 4-Point Insurance Inspection?
    • Homeowners with properties older than 30 years.
    • Homeowners in areas prone to specific hazards, such as hurricanes.
  • Cost of Inspection:
    • The cost of a 4-point insurance inspection can vary depending on factors like the size of the home and the location, but it typically approximately $150.
  • Scheduling:
    • You can schedule a 4-point insurance inspection here.

What is a 4-Point Insurance Inspection?

A 4-point insurance inspection focuses on four main areas of a home:

  • Roofing:
    • Assessing the condition of the roof, including materials, age, and any visible damage or signs of wear and tear.
  • Plumbing:
    • Examining the plumbing system, including pipes, fixtures, and connections, for leaks, corrosion, and functionality.
  • Electrical Systems:
    • Inspecting the electrical wiring, panels, outlets, and switches for any hazards, code violations, or outdated components.
  • HVAC Systems:
    • Evaluating the heating, ventilation, and air conditioning systems to ensure they are in good working condition and pose no safety risks.

Schedule a 4-point insurance inspection here.

What Equipment Does the Inspector Need Access To?

For a thorough 4-point insurance inspection, the inspector requires access to specific components:

  • Water Heater:
    • Ensuring the water heater is accessible for inspection, including checking for leaks and proper installation.
  • HVAC Equipment:
    • Examining the HVAC systems, including the furnace, air conditioner, and ductwork, for functionality and safety.
  • Attic Access:
    • Inspecting the attic for proper ventilation, insulation, and any signs of leaks or structural issues.
  • Electrical Panels:
    • Accessing the electrical panels to evaluate the wiring, circuits, and safety features.

Schedule a 4-point insurance inspection here.

How Long Does the Inspection Take?

The duration of a 4-point insurance inspection can vary based on factors such as the size and condition of the home. However, on average, these inspections typically take:

  • 1 to 1.5 hours:
    • This allows the inspector enough time to thoroughly examine each of the four main areas and document their findings.

Homeowners and insurance companies find the 4-point insurance inspection valuable for evaluating the condition of critical home systems. Adequate preparation and understanding of the process result in a smooth inspection experience, providing homeowners peace of mind regarding their home’s proper evaluation for insurance purposes.

Schedule a 4-point insurance inspection here.

C.W. Home Inspections
C.W. Inspections. A Baton Rouge Home Inspector and Commercial Inspector
InterNACHI Certified Home Inspector

Leave a Comment