4-Point Home Inspection: Why Insurers Require It

Answer

When you own an older property or switch home insurance providers, you may hear about a 4-point inspection. This targeted review assesses four critical systems to help insurers gauge risk and determine coverage eligibility.

The inspection focuses on:

• Roof – Evaluators check roof age, materials, and condition. Many insurers require roofs under 15–20 years old or in sound repair to minimize leak risks.
• Electrical – Inspectors look for outdated knob‑and‑tube wiring, insufficient amperage panels, and code violations. Modern 100–200 amp systems typically pass without issue.
• Plumbing – Review covers pipe materials (e.g., copper, PVC vs. galvanized steel), water heaters, and visible leaks. Homes with cast‑iron or polybutylene pipes may face higher premiums or required updates.
• HVAC – Examining furnace and air‑conditioning age and performance ensures heating and cooling systems won’t pose fire or breakdown hazards. Units older than 15–20 years often trigger further inspections.

Most inspections cost between $75 and $200, depending on region and inspector rates. A certified home inspector or licensed contractor conducts a walkthrough, usually taking 30–60 minutes. Afterward, you’ll receive a concise report highlighting any concerns insurers need before issuing—or renewing—your policy.

Insurers rely on 4-point reports to limit liability. If your home’s systems meet standards, you’ll often qualify for a standard policy. If an issue emerges—like an aging roof—you may need to repair or replace it before securing full coverage. In some cases, companies offer limited “dwelling-only” policies until you address major defects.

While a 4-point inspection isn’t a substitute for a full home inspection, it targets insurer priorities. Homeowners are recommended to schedule one well before policy renewal to avoid coverage gaps. For more details, check resources at the Insurance Information Institute.

In summary, a 4-point inspection reviews your roof, electrical, plumbing, and HVAC systems to help insurers assess risk. It’s advisable to order the inspection early, verify findings, and consult a licensed home inspection professional if you encounter any red flags.