4 Point Inspections

4 Point Insurance Inspections

My insurance company requested a 4 Point Inspection.

What is Four Point Inspection?

A Four-Point Inspection (4-point insurance inspection) is performed for the homeowner when requested by their insurance company; typically a requirement when a homeowner is obtaining a new policy or renewing an existing policy. A Four-Point Insurance Inspection is not standard “Home Inspection” in scope and depth. Many insurance companies and JUA (Joint Underwriting Association) now request 4 point inspections, which often include:

  • Roof inspection
  • Electrical Inspection
  • HVAC (Heat, Ventilation & Air Conditioning)
  • Plumbing

What are they looking for in these reports?

As much as we really don’t know what any insurance company needs or wants, this is our interpretation through experience only. They are generally looking for most systems in the 4 points to have been updated to current standards and are in good condition.

Who can perform this type of inspection? Can I Fill out the paper work myself?

Usually a Licensed Roofing Contractor, Electrical Contractor, Home Inspector, Engineer inspection and signature is required to certify homes of a certain age when required by most insurance companies.