What is a Four Point Inspection | Certified Property Inspections of SWFL
Has your Florida insurance company asked you for a four point inspection?
This has always been common, however 2022 has really shown an increase in these requests. Seems that every home older than a few years is being put under a microscope. Which can actually be a great thing because if you think about it, you can rest easier knowing your home is in good condition! So.. back to the question, What is a Four Point Inspection?
A four point inspection covers the four key points in your home. These points being the roof, electric, plumbing, and HVAC. Lets go in to some more detail so you know what the insurance company will be looking at.
They’re going to be going over the report to see how much life is left in these different things. This will probably be referred to as life expectancy. The roof will generally need to have 3-5 years of life left in order to remain insured but this of course varies between all insurance companies. The inspector will be looking for cracks and leaks in the structure.
Then there is your electric, the inspector will walk the home and check for hazardous or improperly/unprotected connections. There are also some electric panels that have been deemed unsafe and are not insurable. If you have one of these you’ll simply have to replace the panel, which is best for the safety of your home and family.
When it comes to the plumbing section of this report, they will be looking for supply leaks, plumbing types, and whether it is in good working order. There are types of plumbing, similar to electric panels, that just don’t last well in Florida and have a tendency to burst.
Lastly, we are looking at the HVAC. This section is simple in the fact that the AC just needs to be functioning properly with no hazards to the home. This can include the ventilation and the system itself.