A 4 point inspection looks at the 4 major systems- Roof, Electrical, Plumbing & HVAC. Insurance companies want to know that an older home has been well maintained, and the major systems are in good working condition. They are done by a licensed inspector or  building contractor.

 

Here is what a 4 point inspection looks at:

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• Roof -  Type of Roof Covering. The age and condition of the roof. Are there missing shingles or leaks?

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• Electrical System- The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system

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• Heating and Cooling- Is there central heating and air conditioning installed in the home? The age and condition of the system. Are there signs of leaks?

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• Plumbing System- Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutylene, etc. Is there evidence of current leaks?  The age of the water heater.

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•  In addition to the written report,  the inspector will take photos of each of the major systems to provide to the insurance company.