Essential Fixes for a Smooth 4‑Point Home Inspection

Answer

Before an insurer signs off on your policy, a 4‑point home inspection zeroes in on the condition of your roof, electrical system, plumbing and HVAC. This snapshot report helps underwriters gauge risk quickly. Preparing in advance can speed approval, reduce surprise repair requests and keep your premiums competitive.

Here’s how to get your home ready:

• Roof: Inspect for missing shingles, sagging areas or water stains in the attic. Most companies prefer roofs under 20–25 years old. Replace damaged shingles and clear debris from valleys and gutters. If your roof is nearing its expected lifespan, consider a full replacement to avoid a conditional quote.
• Electrical: Check for outdated knob‑and‑tube or aluminum wiring. Ensure your breaker panel is accessible, labeled and free of rust. Install GFCI outlets in kitchens, bathrooms and outdoor areas if missing. Insurers often require a licensed electrician to certify panels older than 25 years.
• Plumbing: Look for visible leaks under sinks, around toilets and at the water heater. Homes with galvanized steel pipes or polybutylene plumbing may trigger upgrade demands. Flush and insulate water heaters older than 10–15 years, and replace any corroded valves to demonstrate sound maintenance.
• HVAC: Clean or replace filters and clear debris around outdoor condensers. Furnaces and A/C units older than 15 years often face replacement requirements. Obtain service records showing routine annual tune‑ups; a recent professional maintenance report can satisfy many insurers.

For best results, consider a pre‑inspection walkthrough with a qualified home inspector or licensed contractor. They’ll flag minor issues you can address before the official report lands on the underwriter’s desk.

While tackling obvious defects and documenting repairs improves your odds, every insurer’s criteria vary. Before finalizing any work, buyers are recommended to verify specific requirements with their insurance agent or underwriter. It’s advisable to consult a licensed contractor for major upgrades and to ensure compliance with local building codes.