4 - Point Inspection

A 4-point inspection is a home inspection that focuses on four key systems of a house, typically required by insurance companies—especially for older homes (usually 25+ years old). It's different from a full home inspection, as it's more limited and insurance-focused.

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What does a 4-Point Inspection cover?

• Roof

  • Age, type, condition, and remaining life

  • Signs of leaks or damage

• Electrical System

  • Type of wiring (e.g., aluminum, knob-and-tube)

  • Panel brand, breakers, hazards, or outdated components

• Plumbing System

  • Type of pipes (e.g., copper, galvanized, polybutylene)

  • Condition, leaks, and water heater details

• HVAC (Heating, Ventilation, and Air Conditioning)

  • Age, condition, and functionality of heating & cooling systems

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Why It’s Needed:

Insurance companies use the 4-point inspection to assess risk. If any of the four systems are outdated or unsafe, they may:

• Deny coverage

• Require repairs/upgrades before issuing or renewing a policy

• Charge higher premiums

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