9YARD offers the 4-point inspection, an economical and targeted assessment that focuses on four key areas in a property: the roof, electrical system, plumbing, and HVAC (heating, ventilation, and air conditioning) system. Insurance companies frequently require this inspection to evaluate the condition of these crucial components before offering coverage.
4 Point Inspections
Insurance companies often mandate this inspection for older homes or properties with specific risk factors. It is less extensive than a full home inspection, which addresses numerous other aspects of a property's condition. The inspection must be conducted by a licensed inspector and typically lasts around an hour. The inspector will assess the following four areas of the home:
What is Included in Our 4 Point Inspections
1. THE ROOF:
The roof is one of the most important parts of your home and it needs to be in good condition to be insured. The inspector will check for any missing or damaged shingles, leaks, or other problems.
2. THE ELECTRICAL SYSTEM:
The electrical system must be up to code and in good working condition to be insured. The inspector will check for any loose wiring, exposed outlets, or other problems.
3. THE HEATING & COOLING (HVAC) SYSTEM:
The heating and cooling systems must be in good working condition to be insured. The inspector will check for any leaks, damage, or other problems.
4. THE PLUMBING SYSTEM:
The plumbing system must be up to code and in good working condition to be insured. The inspector will check for any leaks, damage, or other problems.
Should any issues arise during the inspection, the insurance company might stipulate that repairs be carried out before extending coverage. In certain instances, they may decline to insure your home unless these issues are rectified. This underscores the significance of conducting a 4-point inspection before applying for or renewing your homeowners insurance policy.
When is a 4-Point Inspection Required?
A 4-Point Inspection is usually required when:
You're buying a home that's 20 years old or older
You're renewing your home insurance policy
Your mortgage company requests one
