4 point inspections focus on four main areas of the home: the roof, electrical, plumbing, and air conditioning. Most of the information on a 4 point inspection report pertains to the age and the general condition of the 4 points.
Insurance companies companies require these inspections for homes over 30 years of age to obtain a new policy or renew an existing an existing one.
These are some of the things insurance companies want to know:
- Roof – covering material, age, remaining useful life, date of last roofing permit, date of last update, overall condition, signs of damage/deterioration, and signs of leaks.
- Electrical – age, year of last update, amps, wiring type, and hazards (improper grounding, over fusing, double taps, etc.)
- Plumbing – age of system, types of pipes, year last updates, general condition, deficiencies (leaks, poor connections, damaged hoses).
- Air Conditioning – age of system, general condition, year last updated, hazards present.
Hazards/Deficiencies
The presence of certain hazards or deficiencies can result in a higher insurance premium. A common hazard we sometimes find in older homes is aluminum wiring. Aluminum wiring is considered a hazard because it has been proven to result in higher incidences of fire. Homes with aluminum wiring will require additional documentation from an electrician certifying the wiring is safe.
4 point inspection reports
After the inspection is performed, the home inspector will complete a 4 point inspection report. The report includes pictures of the 4 points and any hazards or deficiencies that were present in the home.
The 4 point inspection report then gets sent to your insurance provider. Your insurance provider will review the inspection report and determine what are the best coverage options for you.
How much does a 4 point inspection cost?
The average cost of a 4 point inspection in Florida is anywhere from $100-$150. Some inspectors will apply a discount if the inspection is performed at the same time as a home inspection.
How long does a 4 point inspection take?
The amount of time a 4 point inspection takes depends on the size of the home, the age, and the general condition. On average, a 4 point inspection takes about 1 hour to complete.
Summary:
- 4 point inspection focus on 4 main areas of the home: the roof, electrical, plumbing, and air conditioning.
- Typically required for homes over 30 years of age to obtain a new policy or renew an existing one.
- The average cost is $100-$150.
- Takes about 1 hour to complete.