What is a 4 Point Inspection?
What is a 4 Point Inspection?
Insurance companies often require a 4 Point Inspection in order for the home buyer or homeowner to receive (or maintain) homeowners insurance. The insurance company’s concern is that there may be conditions existing in an older home that coul be a potential liability for them. A 4 Point Inspection gives the insurance company a better idea of the home they’re insuring.
What is Included in a 4 Point Inspection?
A 4 Point inspection covers the four most important systems of the home:
- Roof: Type of covering, estimated age and condition, and any visible defects
- Electrical System: Type of wiring, main panel brand, and overall condition of system
- HVAC: Type of system, estimated age and condition, and any visible defects
- Plumbing: Type of supply and drain lines, hot water heater brand and estimated age, and overall condition or evidence of leaks
A home inspector will include each of these categories, accompanied by pictures, in their 4 Point Inspection report.
Do I need a 4 Point Inspection?
Most insurance companies often require a 4 Point Inspection to be performed on homes older than 30 years. Some companies require them on younger homes. It is best to check with the insurance company you plan on using to see if a 4 Point Inspection will be required. You can get an insurance quote without the inspection, but you will need a completed 4 Point Inspection report in order to purchase the policy.
How Much Does a 4 Point Inspection Cost?
4 Point Inspection prices vary, but you can expect to pay between $75 – $150 for a stand-alone inspection. Combining a 4 Point Inspection with a general home inspection typically lowers the cost.
How Long Does a 4 Point Inspection Take?
4 Point Inspections are much shorter in length than a typical home inspection, and usually take 30 minutes to an hour to complete. The report is usually delivered later that day.
How do I schedule a 4 Point Inspection?
That’s easy! Call or email us today to schedule your Four Point Inspection in Jacksonville, FL and surrounding areas including all of Duval, St. Johns, Clay and Nassau counties. We offer free, no obligation Four Point Inspection quotes.
