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What is a Four Point Inspection?

A “Four Point Inspection” focuses on four main areas of interest in a home:

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical wiring and panels
  • Plumbing connections and fixtures
  • Roof

The inspection and report describes the condition and age of these elements.

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Why do I need a four point inspection?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).

Their common concern is there may be conditions in an older home which could become a liability to them. For instance, a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced, or were improperly installed, they may fail and cause fire or water damage to a home.

Insurance companies assume newer homes do not have these problems as frequently as older homes.

Is there a standard form to fill out?

There is no industrywide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that we fill them out. Gulf Coast Inspections has developed a form that meets the requirements of most insurance companies in Florida.

You can request a sample report and provide it to your insurance company to see if it will satisfy their requirements.

Can I fill out the form myself?

Insurance companies want these forms filled out by qualified individuals such as a licensed home inspector, electrician, general or roofing contractor.

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Brandon Mills

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