A 4-point inspection gives a homeowners insurance company a realistic prospective into the current condition of a house through an in-depth examination and evaluation of its four major systems: roofing, electrical, plumbing and HVAC. The inspection result tells the insurance company how much liability they will take on if they provide home insurance coverage.

What Does A 4-Point Inspection Cover?

When a licensed inspector visits a home to conduct a 4-point inspection, they examine the following systems:

1. HVAC (heating, ventilation and air conditioning): The inspector will look for obvious signs of leakage and issues with the ventilation system and check to make sure hot and cold air comes out of the vents.
2. Electrical: Homes with aluminum, knob-and-tube and copper wiring present increased fire hazard risks and are commonly uninsurable.
3. Plumbing: The inspector will examine pipes to gauge their likelihood of bursting, which could lead to water damage.
4. Roofing: Inspectors determine the age, material and life expectancy of the roofing system.

Here’s why requesting this paramount service is non-negotiable when buying a new property:

1. Comprehensive Assessment: While a standard home inspection covers the basics, a Four-Point Inspection delves deeper into four key areas: the roof, plumbing, electrical, and HVAC systems. By focusing on these critical components, you gain a comprehensive understanding of your property’s condition from top to bottom.
2. Identify Potential Risks: The devil is in the details, especially when it comes to property investments. A Four-Point Inspection uncovers hidden issues such as roof leaks, plumbing leaks, outdated electrical systems, and HVAC inefficiencies – all of which could spell trouble down the road if left unchecked.
3. Negotiating Power: Knowledge is your greatest asset in the world of real estate negotiations. Armed with the insights gleaned from a Four-Point Inspection, you have the leverage to negotiate repairs or adjustments to the purchase price, ensuring that you’re getting the best possible deal for your investment.
4. Peace of Mind: Purchasing a property is a significant financial commitment. With a Four-Point Inspection, you can proceed with confidence, knowing that you’ve conducted a thorough assessment of your potential new home or investment property.

Whether you’re eyeing a fixer-upper or a turnkey property, a Four-Point Inspection is your ticket to property peace of mind. Don’t leave your investment to chance – request an inspection today and embark on your property journey with confidence.