What is a Four Point Inspection Anyway?
Four-Point Inspection: Your insurance company will request a 4-point inspection based on the home’s age. A 4-point inspection is required for homes older than 25 years. This inspection will determine any problems with your home’s building materials or systems.
The inspection focuses on the four major systems in the house. These systems include the roof, plumbing, electrical, and HVAC (Heating & Cooling System). Here is a list of items that the insurance company needs to know about. These materials include single-strand aluminum wiring, cast metal drain lines, polybutylene supplies lines, roof coverings with less than five years of remaining life expectancy, and electrical systems less than 100 amps. Federal Pacific Electric (FPE), electrical panels, and obsolete systems life fusers. We’ll be reviewing the features that insurance companies are looking for in each of these 4 areas.
Electrical System Your home, if it was built in the 1970s, may have single-strand aluminum wiring that has been designated as a fire hazard. There are also electrical panels with higher than average failure rates. These electrical panels include Bulldog, Sylvania, and FPE. These components can be fire hazards and put you and your company at greater risk.
Plumbing System Homes built in the 1990s might have polybutylene supply pipes. These supply lines can fail, causing unimaginable water damage. Cast-iron drain lines may also be present in older homes built before 1970. Cast iron pipes can deteriorate over time, resulting in leaking or back-ups. It is also possible to determine the age of your water heater.
Roofing The purpose of a roofing assessment is to detect roof leaks, damaged roof shingles and roof coverings nearing the end of their useful life expectancy. Insurance companies typically want to see three to five years of useful life expectancy.
HVAC This inspection is used to determine the age of your heating or cooling system and make sure they are working properly.
When scheduling a four-point inspection, make a list of all upgrades that you have made to any of these systems. Get your permit information for any upgrades that require permits. Insurance companies will need to know the permit number. This will allow the inspector to quickly compile a detailed report.
At Priority Home Inspection in Brevard County, we provide roof surveys and wind mitigation inspections.