4 Point Inspections in Orlando Florida
This report is requested by an insurance company looking for specific details on your home to help evaluate the premium for your home based on the condition of the core components.
A four point inspection is often requested on homes over 30 years old to determine if the core components have been updated or replaced.
In addition, some insurance companies ask for specific details to be included for other sections of the house. (for example, toilets, sinks or refrigerator). I will be happy to accommodate most specific requests into the report.
A four point inspection covers these key areas of a home:
Roof Covering & Structure
Roof covering and Structures.
Plumbing Systems
Updates to pipework and connection to amenities.
Electrical Systems
Power into the house and how its is distributed.
HVAC Systems
HVAC Systems age and conditions.
During a four point inspection, we can go through any changes you have made and ensure where relevant we can include those in the report for the insurance company. I will search the county or city records for permits to back up the visual evidence.
For a typical 4 bed home this takes around 30 to 45 minutes to complete.
Read more about our Orlando Home Inspection Services
Four Point Inspection FAQ
When Will I Need a 4 Point Inspection?
You will likely be asked to submit an inspection as part of the underwriting process, but it’s entirely possible that any home might need a four-point inspection when it comes to insurance. After all, each insurance agency has its own set of rules concerning which houses need an inspection.
What Goes Into a 4 Point Inspection?
A four-point inspection is different from your usual new home inspection, which takes a few hours and is meant to assess whether the home can be closed on or not.
By contrast, the usual 4 point inspection will take about 30 minutes and is a visual appointment. It is meant to assess how your home can stand up to some weather situations and whether it fits the building codes needed in some coastal and serious weather areas.
The inspection will cover the four major home systems: the roof, the HVAC system and ductwork, the plumbing, and the electrical work. Basically, it’s meant to check that there are no hidden problems in any of these systems.
Does Florida Homeowners Insurance Require 4 Point Inspections?
Why Does My Insurance Company Want a 4 Point Inspection Report?
Basically, your insurance company wants this in order to prevent them from having more liability in relation to your home.
Are Inspections “Pass or Fail?”
A four point inspection is much more complicated than just passing or failing. Each one will include an itemized list of all the inspection areas and any information about the condition of your home, what might need repair, and if anything needs replacement.
4 Point Inspection vs Home Inspection
As mentioned, 4 point inspections will take around half an hour, while a full inspection can take hours.
This is because they are essentially different types of inspections. 4 point inspections only handle four specific components of the home, being the roof, plumbing system, HVAC system, and electric. These cause the most problems for insurance companies, which is why the rest of the house is not focused on.
By contrast, a home inspection handles everything, including these four areas. So, this includes appliances and the entire interior and exterior. This type of inspection covers everything in your home, although both can still be useful when it comes to buying homes or getting insurance.
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