A 4-point inspection is a limited inspection focused on the four major systems of a home: the roof, electrical, plumbing, and HVAC systems. It is commonly required by insurance companies for older homes.
A 4-point inspection is a focused evaluation of the four major systems in your home: roof, electrical, plumbing, and HVAC (heating and cooling). Insurance companies often require this inspection for homes over 20 years old before issuing or renewing a policy.
Unlike a full home inspection, this report is designed specifically for insurance approval—not general maintenance or buyer information.
As homes age, insurers want to confirm that the most important systems are still in safe, working condition. A 4-point inspection helps reduce risk by verifying that there are no immediate hazards or major system failures.
It is commonly required for:
Roof System
Electrical System
Plumbing System
HVAC System
We take clear photos and detailed notes to ensure your report is accurate and accepted by insurance carriers.
What is a 4-point inspection?
A 4-point inspection is a limited inspection focused on the four major systems of a home: the roof, electrical, plumbing, and HVAC systems. It is commonly required by insurance companies for older homes.
Why do insurance companies require a 4-point inspection?
Insurance providers use 4-point inspections to evaluate the condition and safety of a home’s major systems before issuing or renewing a policy. The inspection helps identify potential risks or aging components.
What does a 4-point inspection include?
The inspection includes an evaluation of:
Photo documentation and condition reporting are included for each area.
How long does a 4-point inspection take?
Most inspections take between 30 and 60 minutes depending on the size and condition of the home.
When will I receive my report?
Most reports are delivered the same day or within 24 hours after the inspection is completed.
Do I need to be present during the inspection?
You do not need to be present as long as access is available to the required areas of the home, including the electrical panel, attic access, HVAC equipment, and water heater.
Is a 4-point inspection the same as a full home inspection?
No. A 4-point inspection is specifically designed for insurance purposes and only focuses on the four major systems of the home. A full home inspection is much more comprehensive.
Will the home pass or fail the inspection?
A 4-point inspection is not technically pass or fail. The report simply documents the visible condition and age of the systems for insurance underwriting purposes.
Can a 4-point inspection help lower insurance costs?
The inspection itself does not guarantee lower premiums, but it may help homeowners qualify for coverage or identify updates that could improve insurability.
What types of homes usually need a 4-point inspection?
Homes that are 20 years old or older are the most commonly requested by insurance companies to obtain a 4-point inspection.
Can I combine a 4-point inspection with other services?
Yes. Many homeowners bundle a 4-point inspection with a wind mitigation inspection or full home inspection to save time and money.
What should I prepare before the inspection?
Please ensure clear access to:
Having documentation for recent upgrades can also be helpful.
