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A 4-point inspection checks the four main systems of the home – Roof, Plumbing, HVAC and Electrical. It is typically needed to obtain a homeowner’s insurance policy on houses that are over 20 years old.
4-point inspections take about half the time of a full home inspection due to their limited scope, but may be performed at the same time asa full home inspection and/or wind mitigation inspection.
SureHome offers 4-Point Home Inspections in:
No. A full home inspection is a service performed by the inspector specifically for the homebuyer or homeowner, and the findings of which are confidential. A 4-Point inspection, on the other hand, is ordered by the homeowner specifically for the insurance company.
Also, whereas a full home inspection reviews the current condition of home components, a 4-Point inspection measures the estimated remaining life of those components.
Insurance companies want an estimation of these systems and their remaining useful life since these are the areas that are most likely to develop issues that can affect the entire house.
The main areas of interest during a Florida 4-Point Inspection are roof deterioration, electrical wiring or panel hazards, plumbing type, water heater condition, and the age and working order of the air conditioning system.
Of these components, the roof is probably the most important, as it keeps rain and the outside elements from reaching the interior. SureHome will check factors like roof age, wear, materials, and signs of leakage to determine how long it will remain effective.
Your home’s electrical system is also important as it must constantly provide power without the risk of fire or electric shock to the occupants. We’ll check things like panel type, service amperage, breaker condition and whether the home contains copper or aluminum wire.
Up next is a review of the plumbing components. We’ll determine whether any visible leaks are present, if the water heater has sufficient safety features, as well as what type of plumbing is used in the home.
Finally, we’ll check your heating, ventilation and air conditioning (HVAC) system. This component is often though of only as an air cooling system, but actually plays a vital role in limiting the moisture content of the home’s interior.
Together, these four systems provide the greatest defense for your home against the outside elements. Therefore, we recommend they be reviewed at least every 5 years, no matter how new or old your home may be.