A Four-Point Insurance Inspection includes a limited scope evaluation of the following four components: Heating/Air Conditioning, Plumbing, Roofing, and Electrical. The inspection is performed on behalf of the insurance companies and is typically, as a requirement for the insurer, offering insurance to the new homeowner or at the renewal of an existing policy. The Four-Point Insurance Inspection is far less in scope than a standard home inspection and should not be intended for use as a pre-sale or pre-purchase comprehensive inspection. It will not contain the type of information you will need to make an informed decision for purchase.
Four Point Inspections
Four Point Inspections in Fort Myers, Naples, and Cape Coral, FL
About Our Four Point Inspections
Why Is Your Insurance Company Asking For This?
If you’re home is older than 25 years of age your insurance company may request you to have a Four-Point Insurance Inspection performed. Insurance companies have become increasingly reluctant to issue homeowner insurance policies on homes 25 years or older. Their concern is that there may be conditions in an older home that could become a liability to them.
What could be defects or other reasons in these four principles that can make my home uninsurable?
Heating
Properties which have a portable heater or open flame as a primary source of heat, (e.g., Electric, oil or kerosene portable space heaters, gas heater, or any device utilizing an open flame).
Electrical
Properties which contain any potentially hazardous electrical conditions, knob & tube or aluminum branch wiring circuits. Properties equipped with an electrical service less than 60 Amps, certain brands of distrubution panels, double tapping of a circuit breaker or unsafe wiring.
Roof Conditions
Roofs that are damaged; or roofs that have visible signs of leaks; or roofs that have less than three to five years of remaining useful life. The “remaining useful life” is the remaining life expectancy of the roof covering to function as intended, based upon an inspection of the wear and tear, decay, deterioration, decline, or defects present from; natural, climactic, installation, or other conditions.
Plumbing
Leaking water heaters, polybutylene supply side piping, cast iron waste and vent pipe and or any plumbing leaks under sinks and toilets.