Four Point Home Inspections

Four-point inspections provide a snapshot of a property’s condition. They’re frequently ordered by insurance underwriters before issuing coverage for a homebuyer who will soon need coverage or a homeowner who’s shopping around for a lower premium.
Four-point inspections are often called for when insuring older homes. In recent years, insurers have become increasingly reluctant to provide coverage on older homes. Most insurance companies now require 4-point inspections on older houses or for rental properties.

Why Not a Full Home Inspection?

Insurance companies don’t need the in-depth examination of a full or homebuyer’s inspection.
Although a 4-point inspection shares some similarities with a full home inspection, they cover only the four main components of the home, which are:
  • The HVAV System. In addition to the condition of the equipment, some insurers will deny coverage on homes without central air conditioning and heating.
  • The Electrical System. The inspection includes the panel, circuit and type of wiring. Faulty wiring is a major cause of house fires.
  • The Plumbing System. The condition of the pipes and the material from which they’re made are part of a 4-point inspection. Polybutylene pipes are prone to bursting, and although some insurers may provide coverage, it normally will exclude water damage.
  • The Roof. Most insurance companies won’t insure homes with roofs that are more than 30 years old. Damaged roofs and water leaks are other reasons for denying coverage.
Major defects in any of these four areas are potential sources of hazard or conditions that could result in future claims by the homeowner.
Four-point inspections can be completed in as little as 30 or 40 minutes. A four-point inspection typically runs between $80 and $100 depending on how involved the inspection is.
Pre-Market House Inspections — House Inspectors Talking to Client in Jacksonville, FL

Why Not a Full Home Inspection?

Insurance companies don’t need the in-depth examination of a full or homebuyer’s inspection.
Although a 4-point inspection shares some similarities with a full home inspection, they cover only the four main components of the home, which are:
  • The HVAV System. In addition to the condition of the equipment, some insurers will deny coverage on homes without central air conditioning and heating.
  • The Electrical System. The inspection includes the panel, circuit and type of wiring. Faulty wiring is a major cause of house fires.
  • The Plumbing System. The condition of the pipes and the material from which they’re made are part of a 4-point inspection. Polybutylene pipes are prone to bursting, and although some insurers may provide coverage, it normally will exclude water damage.
  • The Roof. Most insurance companies won’t insure homes with roofs that are more than 30 years old. Damaged roofs and water leaks are other reasons for denying coverage.
Major defects in any of these four areas are potential sources of hazard or conditions that could result in future claims by the homeowner.
Four-point inspections can be completed in as little as 30 or 40 minutes. A four-point inspection typically runs between $80 and $100 depending on how involved the inspection is.
Pre-Market House Inspections — House Inspectors Talking to Client in Jacksonville, FL

Conclusion

If you are a homebuyer who is purchasing a new home and will soon need coverage or a homeowner who’s shopping around for a lower premium call us today at 904-673-3430 to set up an appointment for your four-point inspection.  
Thermal Inspections — HVAC System in Jacksonville, FL

HVAC Systems

Heating and cooling are two of the features in our homes that we use the most of, which is why your insurance company wants to ensure that your systems are installed properly and operating before giving any approval for coverage. Our team will review all of your heating, ventilation and air conditioning systems to ensure everything is running properly. 
Realtor Home Inspectors — Electrical System in Jacksonville, FL

Electrical Systems

Mr. House Inspectors will review your home's electrical panels, grounds, breakers, wiring, and much more. Our inspection will offer insight to any issues especially those that might become dangerous. If there are any electrical issues found, our team will provide a full checklist of what was found and why it may have occurred.
Drone Inspections — Yellow Drone in Jacksonville, FL

Roofing Inspections

At Mr. House Inspectors we come to your home prepared by offering drone services to survey your roof or hard to see areas of your home. Our team will check for any shingle imperfections, gaps, holes or any other damages that may cause leaks or weather damage. We will document your roof's age, quality, and review to see if the roof was installed properly.
Plumbing Systems — House Heating Valves in Jacksonville, FL

Plumbing Systems

Plumbing is another vital and heavily used aspect of your home which can be expensive to repair. Our team provides a comprehensive inspection of all your plumbing including: sinks, appliances, showers, and more. We check to make sure that all plumbing is installed correctly and will ensure that there are no issues that may lead to major problems later on. 

Schedule Your Free Consultation Today!

 Our team will investigate your home's systems and structure to ensure that there are no major issues that need immediate attention. Call us today at 904-673-3430 to schedule your appointment.