A focused review of the four systems insurance companies care about most: the roof, electrical, plumbing, and heating and cooling.
A four-point inspection is a focused, limited inspection of four major systems: the roof, the electrical system, the plumbing system, and the heating and cooling system. It's often requested by insurance companies, especially for older homes, to document the age and condition of the systems most likely to lead to a claim.
Unlike a general home inspection, a four-point inspection doesn't cover the entire home. It documents the condition, age, and type of each of the four systems in a format that helps the insurer evaluate the property.
Brian performs four-point inspections with the same care he brings to every inspection, and his photo documentation gives your insurer a clear picture of each system.
A four-point inspection documents exactly what insurers ask about.
Covering type, condition, and signs of damage or wear.
Panel, wiring type, and visible safety concerns.
Supply and drain materials, fixtures, and the water heater.
System type, age, and operating condition.
The roof, electrical, plumbing, and heating and cooling systems account for many homeowners insurance claims. Older roofs leak, outdated electrical systems can create fire hazards, aging plumbing can fail, and worn-out HVAC equipment can cause damage. Insurers use a four-point inspection to understand these risks before writing or renewing a policy.
Requirements vary by insurance company, so it's a good idea to ask your insurer or agent exactly what they need before scheduling.
If you're buying the home, keep in mind that a four-point inspection is not a substitute for a full general home inspection, which covers far more of the property.
Every four-point inspection covers the four systems in detail.
Most often an insurance company, especially for older homes. Ask your insurer exactly what they require.
No. It's a limited inspection of four systems. A general home inspection covers the entire home.
No. Buyers should get a full general home inspection. A four-point inspection can be added if the insurer requires it.
The report documents the condition so you and your insurer can decide on next steps, such as repairs or replacement.
Brian delivers reports quickly, typically the same day.
Here's how a four-point inspection works.
Ask your insurer what they need, then call or text 423-360-7203.
Brian inspects the roof, electrical, plumbing, and HVAC.
Each system is photographed and documented.
Share the report with your insurance company.
“He truly went above and beyond on the report with recommendations, compliance, applicable code laws, and thoughts on each item.”
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