Why A 4-Point Inspection Matters
Insurance companies often request a 4-point inspection to get a focused look at the roof, electrical, plumbing, and HVAC systems. We document the visible condition and available information for these four areas so you and the insurer have a clearer picture of the home's major systems.
What We Inspect
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Roof: covering material, approximate age when supportable, visible condition, flashing, and leakage indicators
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Electrical: service size, panels, protection devices, wiring types, and visible concerns
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Plumbing: supply and drain materials, fixtures, water heater, visible leaks, and condition
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HVAC: system type, approximate age when supportable, visible condition, and operation when conditions permit
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Photographs and property information required by the applicable insurer's form when provided
What You Gain From Your Inspection
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You receive focused documentation of the four systems most commonly reviewed by insurers
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You learn about visible repairs or specialist evaluations that could affect underwriting
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You receive a completed report or insurer form based on visible conditions and available information
Good to know: A 4-point inspection is not a full home inspection and cannot guarantee insurability. Your insurance carrier makes the final underwriting decision.
