What is a 4-Point inspection? A 4-Point inspection is basically a "mini home inspection" for home owner's insurance companies. Your insurance company may request this type inspection to help determine the condition and age of your home's electric, plumbing, HVAC and roof systems. They also want to know if there's any deficiencies with these four systems. If deficiencies are found during the inspection, your insurance company may want these items repaired before moving forward with your insurance coverage. Your insurance company may will request that you hire a licensed home inspector within your area to perform the inspection and produce a report with the information they need. Since you're the one hiring the inspector, the home inspector only delivers the report to you, not the insurance company. However, it's your responsibility to send the report to your insurance company within a certain timeframe.
Here's a quick break down on what we inspect:
As a home inspector, we comment and document on these items during the inspection. Home inspectors are not affiliated with home owner's insurance companies or make decisions on behalf of the insurance company's coverage or policies. It's the insurance company's responsibility to make their own determination with the information provided to them.
Regardless of deficiencies that are found during the inspection, it could also help the home owner aware of any potential problems that may exist within their home which could become bigger and more expensive problem if not addressed in a timely manner.
If you would like to know more about 4-Point inspections or you would like to schedule an inspection, give us a call or email at J. Gregory Home Inspections.