Why Do I Need A 4 Point Inspection?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more). A Florida-licensed inspector will check the home’s electrical system, plumbing, heating/cooling system (HVAC) and roof. The inspector must provide the age, type and condition of the wiring, heating and plumbing systems, and roof. Any serious hazards or deficiencies (such as exposed wiring, active leaks or evidence of leaks) should be repaired before an application for insurance coverage is submitted. Also a homeowner who gets this inspection, you have the ability to review all repairable issues that need to be addressed and have time to make repairs prior to any insurance company inquiry. We will provide targeted followup inspections (from our previous inspection) at a lower cost on all corrective repairs that were made to the home for this inspection.

Their common concern is that there may be conditions in an older home that could become a liability to them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing 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. The 4 Point Inspection protects you as well as the insurance company. The 4 points are:

Electrical System

Plumbing Systems Inspection

Roof Inspection

Heating/Ventilation/Cooling System (HVAC)