Insurance Inspections
4-Point Inspection
4-Point Inspection
A Four-Point Inspection is a focused evaluation of four primary systems within a property: roofing, electrical, plumbing, and HVAC. This inspection is commonly required by insurance carriers, particularly for older homes, to assess the general condition of these key components prior to issuing or renewing coverage.
The inspection consists of a visual, non-invasive assessment of readily accessible areas and is limited to the condition of the following systems:
- Roofing system – visible materials, estimated age, and general condition
- Electrical system – service panels, visible wiring, and safety-related components
- Plumbing system – supply and drain lines, visible materials, and signs of leaks
- HVAC system – heating and cooling equipment, general operation, and condition
The purpose of this inspection is to document the observable condition and apparent age of these systems at the time of inspection. It is not a comprehensive home inspection and does not evaluate all components of the property.
Findings are documented on the standard inspection form required by insurance carriers and may include supporting photographs for underwriting review.
MOVE FORWARD WITH CONFIDENCE
This inspection does not include system testing beyond normal operating controls, code compliance evaluation, or guarantees of future performance. Any deficiencies or concerns identified should be further evaluated by appropriately licensed professionals.
This service is intended for property owners, buyers, and agents requiring documentation to support insurance eligibility and underwriting requirements.