4 Point Inspection

Home Inspection Services Myrtle Beach SC

What is a

4 Point Inspection

A 4 point inspection is usually a requirement for insurance on older homes. When a home reaches approximately 30 years of age, insurance companies typically want to ensure the four main systems in the home are working properly and might request a 4 point to be completed prior to insuring.

Main Systems Inspected During 4 Point

Roof

A remaining life expectancy of at least 3-5 years is required by most insurance companies. Signs of current or prior leaks, repairs, or deterioration are also reported.

Electrical

Insurance companies look for outdated or improperly installed electrical panels or materials in the home. They also look for the type of wiring being used and any safety hazards that are present.

HVAC

Insurance companies want to see properly working heating and cooling systems that have been maintained. Signs of deterioration and damage are also noted.

Plumbing

The home will be checked for leaks and plumbing type. Cast iron plumbing and polybutylene are two types of plumbing that can cause issues and are viewed negatively by insurance companies.

Can a 4 Point Take the Place of a Home Inspection?

It is true that a 4 point looks at the main systems in the home and can find potential issues within those systems. However, it is commonly misunderstood that this inspection can take the place of a home inspection. A home inspection can help find other potential issues such as structural integrity issues, mold, and others that a 4 point would not uncover.

The 4 point is specifically written for insurance companies and is a great tool for these companies to understand the liability they are taking on before insuring your home.

For more information about these inspections, here is a great article you can review.

”This is the 2nd time we have used Rivertown Property Inspections. Tyler was our inspector each time and he did a thorough professional job both times and explained everything to us so that we felt we had a good understanding of the items needing addressing with the Sellers. Will use again and would highly recommend.
Shirley WellsGoogle Reviewer