What You Need to Know About a Four-Point Inspection
If you are thinking about changing your homeowner’s insurance to a different company or renewing your existing policy, there is a good chance you will need a Four-Point inspection. Most insurance companies require the inspection before renewing or issuing a new policy if the home is 15 years of age or more.
What the Four-Point Inspection Does
If the home is over 15 years old, there may be conditions in the home that could become a liability for the insurance companies. For instance; a home with a roof nearing the end of its service life may fail while under the policy and the homeowner may seek reimbursement for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems. If these systems are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause a fire or water damage to the home.
What the Four-Point Inspection Covers
Unlike a full-home inspection, the Four-Point inspection is a limited visual verification only of the age and current condition of the Roof, A/C, Heat, Plumbing, and Electrical basic components. The inspector reports the information to the insurance company and does not make any determination or offer an opinion or approve or disapprove any dwelling for insurability.
A Four-Point Inspection is Not a Full Home Inspection
With the Four-Point inspection being primarily an information tool used by insurance providers, it should not be confused with a full-home inspection. A Four-Point inspection is conducted to determine the age and condition of the four major systems in the home. A full-home inspection is a lengthy, in-depth thorough inspection that helps a prospective home buyer in the decision making process about purchasing a home.
Why choose R.J. Lipton Engineering for your Four-Point Inspection
Most inspection companies simply conduct the Four-Point inspection and send the report to the insurance agent or carrier. At R.J. Lipton Engineering, we go above and beyond the report to help the homeowner in determining what if any deficiencies need to be corrected before submitting the report. We will review our findings and point out areas of concern. We take customer service seriously and will put our skills, experience, and expertise to work to for you!