Why do I need a Four Point Inspection?

Insurance companies are becoming very reluctant to issue Homeowner Insurance Policies on older homes (Usually 25 Years Old or More). The biggest concern is that there may be conditions in an older home that could become a liability to them.


For Example, a home with a roof that is near the end of its service life could fail while its udner the policy and the homeowner then could seek reimbursement from their insurance company for damages to the home and its contents. The same concerns extend to the electrical, plumbing and HVAC in an older home. If these elements are in need of being updated, or are in poor condition, and were improperly installed, they may fail and can cause water damage or fire to the house.


Newer homes are believed (by the insurance companies) to have these problems as regular as with older homes.


Is there a standard form to fill out?

There is not a industry wide standard form for a Four Point Inspection. Insurance companies may provide their own forms. Most insurance companies will accept forms from the companies that will be performing the home inspections, provided that they are filled out by the qualified individuals.


Can I fill out the form myself?

Insurance companies want these forms filled out by certain qualified individuals such as a Licensed Professional General Contractor or Home Inspector.


I had a Home Inspection before I purchased the home. Can I use that report instead of getting a Four Point Inspection Report?

The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document. Before you pay for a home inspection you should research with your insurance company if they will require a Four Point Inspection Report. You can end up paying twice for much of the same service and information gathering.