If you are planning to buy a home, having it inspected is a great way to make sure that it’s in good condition. If you’re buying an older home, also request a 4-point home inspection. Many insurance companies won’t issue a policy without this basic inspection service. Here’s what’s involved in this type of home inspection.
A 4-Point Home Inspection Assesses the Roofing
The roof protects the entire structure of your home and keeps it safe from the elements. The inspector will check the overall integrity of the roof, look for any missing shingles, damaged flashing, drainage issues, and note any other defects.
The Inspector Will Check the Electrical Components
Depending on the age of the home, the electrical wiring is a concern for insurance companies and potential buyers. Older properties often have outdated or faulty electrical systems, which can be a fire hazard.
During a 4-point inspection, the inspector will check the condition of the main electrical components of the home.
The HVAC System is Included in a 4-Point Home Inspection
Most homes have some type of HVAC system comprised of a heat source, an air conditioner, and a ventilation system. Repairing or replacing any part of the HVAC system can be very expensive.
Some failures of the system may cause property damage, which is why insurance companies require an inspection. With a 4-point home inspection, you’ll learn about the overall condition of the components of the HVAC system.
The Condition of the Plumbing Will be Examined
Plumbing issues can cause a significant amount of damage to a home. Often the source of the damage is an older, faulty plumbing system. Insurance companies want to know the condition of the plumbing before issuing a policy. An inspector will assess the different aspects of the plumbing system, noting the type of plumbing pipes and any defects found.
Is a 4-Point Inspection Required to Renew a Homeowners Insurance Policy?
4-point inspections have been growing in popularity with insurance companies, mainly in areas where there is a higher chance of wind and storm water damage to homes. If you live in an area where this is a requirement, you may be instructed to order a 4-point home inspection before renewing your homeowners insurance policy.