What is a 4-Point Inspection?

A 4 point inspection is specifically prepared for homeowners insurance, and shouldn’t be confused with a full home inspection (also called a buyer's inspection, comprehensive home inspection, real estate inspection, or general home inspection). This distinction is important because the full home inspection is normally required during the buying process of a home. It can also takes a few hours to complete. A four point inspection usually takes about  20-30 minutes and is only visual inspection of the following systems; Electrical, HVAC, Plumbing and Roof. However, if you buy an older home you might be required to have both inspections.

Why is my insurance agent asking for a four point inspection?

If you're home is older than 20 years most insurance companies may request that you have a 4-Point Inspection performed. Four-point inspections identify four key areas that commonly result in insurance claims. If your home has any defects or hazards and fails a portion of the inspection, the inspector will go over what needs to be repaired or replaced. 

What is included in a 4-Point Inspection?

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4 Point Inspection.jpg

During a 4-Point inspection, a Florida-licensed inspector will perform a quick visual inspection and document information on the following systems in your home:

Electrical System:  

  • brand of electrical panel(s) and amperage 

  • type of branch wiring in the home (copper, knob and tube, aluminum or cloth)

  • if hazards or deficiencies exist 

  • age of the system  

  • general condition of the system

 

Heating, Ventilation and Air Conditioning System (HVAC): 

  • type of heating and air conditioning system (central heating and central air conditioning?)

  • if hazards or deficiencies exist 

  • age of the system  

  • general condition of the system

Plumbing System: 

  • general condition of plumbing fixtures and connections to appliances (water heater, sinks, toilets, washer, refrigerator, showers/tubs, toilets, shut-off valves)

  • location water heater(s) and the year it was last updated/replaced

  • age of piping system (original, completely re-piped, partially re-piped) 

  • types of pipes 

Roof: 

  • type of roof covering material(s) 

  • age of roof covering(s) 

  • remaining useful life (years)

  • visible signs of damage and/or deterioration 

  • visible signs of leaks

  • overall condition 

Click here to download a sample 4-Point Inspection report

Contact NexGen Home Inspections today to schedule your 4 Point Inspection 

Broward, Miami-Dade & Palm Beach Counties  

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Wind Mitigation + 4 Point Inspection Combo