4-Point Inspection
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Four-point inspections are required by insurance companies when a new policy is issued. Most homes older than 20 years will require one, but some carriers may also require them for even newer homes. The Four Point report includes:
Roof
This includes roof type, condition, age and estimated life expectancy.
HVAC
This includes age, condition, and water damage from condensate leaks.
Plumbing
Water heater age and condition, type and condition of all visible plumbing.
Electrical
Panel age and brand, type of wiring, safety hazards such as exposed wiring.
Understanding 4-Point Inspections
Quick insights to help you understand why insurance companies require a 4-point and what it covers.
Focused on Key Systems
A 4-point looks only at the roof, HVAC, plumbing, and electrical systems.
Required for Insurance
Most insurers need a 4-point when issuing a new policy on an older home.
Helps Identify Risks
The report highlights issues insurers may consider unsafe or too risky to cover.
Quick Inspection
A 4-point can take as little as 30 minutes—much quicker than a full home inspection.
Common 4-Point Inspection Questions
Most homeowners will typically need one when obtaining new insurance, especially if their home is older. If your home is fairly new, you may not be required to have one.
The answer is yes. If there are certain items on the report that the insurance company deems too risky to insure, then they will not write you a policy, or they will require that the items be repaired/replaced before doing so. Some companies may write the policy and give you 30 to 60 days to make repairs. Polybutylene plumbing, an old, damaged, or leaking roof, and old electrical wiring are some of the larger items carriers tend to avoid.
Absolutely not! A typical home inspection can take 2-3 hours, depending on the size, while a Four Point inspection can be completed in as little as 30 minutes. A full home inspection is much more thorough all around. For example, for HVAC, both the home inspection and 4 point will note the age and functionality of the system, but the home inspection will also look at the coils, blower, ductwork, air leaks, etc.
