So, you’ve found the perfect homeowners insurance policy.

However, the insurer has now requested that you submit a 4 point inspection report. What is that, and how do you get one?

What is a 4-point inspection?

There are many reasons why insurance companies in Florida ask for a 4-point inspection, with these reasons varying from company to company. For example, one insurer might ask for one if the home was built more than 40 years ago.

The reason typically revolves around the risk that an insurance company will take if they decide to insure your home. It is more likely that you will file a claim for an older home than you would for a brand-new home. Because of this, an inspection of your home’s important parts is required.

A 4-point inspection looks at the four major systems in your home: the roof, electrical, plumbing, and the heating, ventilation and air conditioning (HVAC) system. An inspection looks to see that these systems are well maintained and functioning.  

Here are the details an inspector usually looks for. These, of course, vary from inspector to inspector.  

Roof

A 4 point inspection looks at the roof material as well as its age and condition.

For example, an inspector might consider the remaining life left of the roof. He or she might ask when the roof was last updated and whether any parts were replaced. The inspector might also note the condition of the roof as satisfactory or unsatisfactory.

This would take into consideration any signs of damage or deterioration. Unsatisfactory signs may include cracking or missing tabs or tiles.

Finally, the slope of the roof might be considered. Flat roofs are considered too risky for many insurers, as they are more susceptible to damage since they lack drainage.

Electrical

The type of wiring is looked at in an inspection in addition to its brand and condition.

For example, an inspector might search for the presence of cloth wiring, active knob & tube, or branch circuit aluminum wiring. These are considered risky types of electrical wiring. Copper is considered the ‘gold standard’ in the wiring world.

As for the condition, an inspector might look for any hazards such as empty sockets, loose wiring, corrosion and exposed wiring. He or she might ask about the brand/model of the wiring and when it was last updated.

Plumbing

The supply and drain lines are evaluated in an inspection. He or she might search for any leaks. The hot water heater is looked at as well as its age.

Furthermore, an inspector might be interested in the location of the water heater as well as the general condition of the plumbing fixtures and connections to appliances. This might include the dishwasher, washing machine, showers and toilets.

Wet or soft spots are considered risky signs as well as the presence of mold or corrosion.

Ventilation and air conditioning (HVAC)

Inspectors check for leaks in an HVAC system. They also consider its age and condition.  

He or she might also be interested in whether the air conditioning and heaters are central. The primary heating source and fuel type may also be looked at.

Further, an inspector might check for any hazards. These include a wood-burning stove and central gas fireplace that are not professionally installed. A space heater is also considered hazardous.

How can I get a 4 point inspection?

You can get a 4 point inspection by hiring a specialist, who may be a licensed inspector or a building contractor. The cost typically runs from $50 to $100.  

Some insurance companies will ask for a 4 point inspection before binding your insurance policy, while others may ask for it after the purchased has been made.  

It’s always a good idea to get this report when asked, as insurers are known to cancel policies over it. If you absolutely cannot get one, there is a chance that another insurance company may still offer your policy but at a greater premium.