A 4-Point Insurance Inspection will help you get insurance on your home by providing verification of the good working condition of the 4 major systems of your home. Insurance companies are looking for information on the overall condition of the four major systems of the house (Roofing, Electrical, Plumbing, and HVAC – Heating, Ventilation, Air Conditioning). We will generate a report on the four major components used by the insurance companies to determine the insurability of the home. Our report format is the most widely accepted format in the insurance industry.
The cost is based on the square footage of the house.
4-Point Insurance Inspections are common in other parts of the country, but relatively new to California. Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more). Their common concern is that there may be conditions in an older home that could become a liability to them. For instance, a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.
The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated.
It can be for a new homeowners policy or for renewal of an existing policy. The benefit to the insurance company is reduced loss risk on homeowner’s insurance policies.
A 4-Point Insurance Inspection usually takes about 30 – 45 minutes on an average size home.
We need access to the electrical panels (which are sometimes in closets). The attic access and subfloor access should be free and clear of personal belongings. Waste piping under sinks should be fully visible, with no stored items blocking the view.
Please have any information pertaining to upgrades or updates made to the roof, electrical, plumbing or HVAC system. This will help us prove you’ve updated these systems properly and put your home in a positive light!