4-Point Inspection

4-Point Inspection

There are four essential elements to a home that are often covered in an insurance claim: your electrical, HVAC, plumbing, and roof. Instead of a thorough review of the whole home, a 4-point inspection only covers the aforementioned elements. This means it’s quicker and less costly than a regular inspection, while still focusing on what your insurer will require.

What Is Included In a 4-Point Inspection?


Old wiring can cause fires and problems if there are issues with the wires or the insulating material. Homeowners’ insurance companies don’t cover damage caused by old wire unless it’s been replaced or repaired.

Roof and Structure

Insurance companies want to know the state of your roof before insulating your house. It’s important for homeowners to conduct annual roof inspections. If you don’t have one, it may cost you thousands of dollars later on.


Your home’s plumbing system plays an important role in keeping you comfortable at home. But it doesn’t always perform up to par. If there are problems in the plumbing system, it may cause serious damage to your house.

HVAC system

We will check the ductwork, vents, coils, and air filters. An older system tends to leak more often. Insurers want to know about potential leaks before they make a claim.

4-Point Inspection Vs. Full Inspection

A 4-point inspection will give you a general idea about the condition of the property, but won’t provide details about specific items like appliances or plumbing. Homeowners’ insurance companies require inspections before someone can get a new policy or renew an existing one. Recently, insurance companies have been reluctant to provide coverage for homes older than 20 years because they’re concerned about their liability.

New homeowners can also take advantage of this tool to determine if the potential house they’re considering buying is actually worth their investment.

On the other hand, a home inspection gives you more detailed information about the house. It covers every aspect of the home, inside and out. You’ll examine the roof, gutters and downspouts, walls, floors, ceilings, windows, doors, garages, foundations, crawl spaces, attic space, chimneys, fireplaces, water heater, refrigerators, stoves, dishwashers, washing machines, dryers, furnaces, air conditioning units, heat pumps, hot water tanks, plumbing, wiring, heating/cooling systems, appliances, yard equipment, fences, decks, sheds, and much more.