What is a 4 point inspection of a house? This is an easy one. A 4 point inspection MAY be done at the same time as a general home inspection but it does not have to be. This is an inspection of four major systems of a house and it is generally required by your insurance uderwriting for any house that is older than 40 years. The inpector will be looking at: 1) the Roof. 2) The Electrical system. 3) The HVAC (air conditioner) 4) The Plumbing.
Citizens is a public entity so we know whay their 4 point form has on it…
Other carriers will have their own form but in general they will look at:
- Roof – Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
- 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
- Heating and Cooling – Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
- Plumbing System – Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks? The age of the hot water heater.
