Generally, insurance carriers require a 4-Point Inspection when obtaining a new homeowners insurance policy or renewing an existing policy. These inspections are required when a home is over 25 to 30 years old. These inspections help homeowners and insurance companies identify problems or potential problems with your home.
The Four-Point Inspection is a limited scope evaluation of the following systems:
- HVAC (Heating, Ventilation and Air-Conditioning)
NOTE: this inspection is not the same as a “standard home inspection” which is more detailed and comprehensive.
What to expect on the day of your inspection:
Metric Inspections will complete a survey your roof, including photograghs. All types of roof coverings will be verified. Copies of roof permits, manufacturers’ information or relevant documentation will be collected from the homeowner or obtained, if available, through the city or county building department. Your inspector will determine the overall condition of the roof and identify any deficiencies such as missing tile or shingle, evidence of leaks and deterioration. Your inspector will use the rating Good, Fair, and Poor using his experience and expertise. This rating will take into account the age, remaining useful life and signs of deterioration.
Electrical systems will be inspected to identify wiring type, size of electrical service and potential hazards. Your inspector will estimate the age of the electrical system and rate the general conditon.
We will inspect major plumbing components such as the water heater and identify the main water service supply type and location. Your inspector will check for leaks at plumbing fixtures throughout the home. The age of the water heater will be verified as required by insurance carriers.
Inspection of your HVAC system includes verifying the age of the system, what type of system and general condition of the system.