4 Point Insurance Inspection

What is a 4 point Insurance Inspection?

Usually, a four point will be required if the home is 25 years or older, regardless if it’s a new policy or one that may be up for renewal.

What the Inspection Covers

This type of inspection covers four basic areas: Heating, ventilation and air conditioning or HVAC, Electrical, plumbing, and roof. Any of these components could be a potential source of a home owner’s insurance claim. If they’re in good condition, the insurer can feel more confident about issuing a policy. Otherwise, the Insurer can request failed components be updated prior to issuing the new policy.

What can be a red flag during a four point inspection?

Over the years, building techniques and materials have changed. What was once a new and innovative product 25 years ago may now be todays problems.

What is a 4 point Insurance Inspection?

This type of inspection covers four basic areas: Heating, ventilation and air conditioning or HVAC, Electrical, plumbing, and roof. Any of these components could be a potential source of a home owner’s insurance claim. If they’re in good condition, the insurer can feel more confident about issuing a policy. Otherwise, the Insurer can request failed components be updated prior to issuing the new policy.

What can be a red flag during a four point inspection?

Over the years, building techniques and materials have changed. What was once a new and innovative product 25 years ago, may now be today’s issues.

HVAC Systems; Older systems may still be in use but not energy efficient. Many HVAC systems will last 15 to 20 years. What I find is the a/c component was replaced but the air handler was never serviced or upgraded.

PLUMBING; Polybutylene, usually a gray or white plastic is a form of plastic resin that was used in the manufacture of water supplies from 1978 to 1995. A series of reports have suggested that increased use of choloramines inhibit corrosion to not only the polymers in the plastic but to the metal connections as well. It isn’t inherently bad. It does not make you 100% uninsurable. It will not definitely fail. It does, however, put a homeowner at a potentially higher risk for serious plumbing leaks.

ELECTRICAL SYSTEM; Most homes today are up to date and have approved panels and wiring. This is not the case when it comes to some specific panels and manufacturers.

Federal Pacific Electric Company (FPE) was one of the most common manufacturers of circuit breaker panels in North America from the 1950s to the 1980s. Millions of their panels were installed in homes across the country. Yet, as the years passed, electricians and home inspectors often found Federal Pacific Electric panels failed to provide proper protection to homeowners and their families. Experts now say that FPE panels can appear to work fine for years, but after one over current or short circuit, they can overheat and become fire hazards. I advise upgrading.

ROOFING; There are many options for roofing. Many types have a life expectancy averaging 25 to 40 years. Most problems associated with inspecting for a four point is that the roof has not been updated and many have reached the life expectancy. Here are some life expectancies;

asphalt shingle (3 tab) = 15 to 25 years
asphalt shingle (architectural) = 20 to 40 years
roll roofing = less than 10 years
built-up roofing = 10 to 20 years
single-ply membrane roofing = 10 to 20 years
metal roofing (shingle and sheet) 25 to 50 years
clay and cement tiles = 25 to 50 years

 

 

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Author: abetterchoicehomeinspection

Hello and Welcome, I'm Wayne Cerra, Owner and Inspector of A Better Choice Home Inspection. I started my Career in 1986 as a part time Inspector in Massachusetts. By 1996 I had Incorporated into Total Exposure Home Inspection serving Greater Boston area where I have inspected over 5,000 residential properties. In 2008 I relocated to Cape Coral, Florida where I operate A Better Choice Home Inspection and have inspected over 2,000 residential inspections and 2,500 Insurance Inspections. Accurate, dependable and honest reporting without all the fluff. My Inspection practices are geared towards todays needs. Maintenance and repairs are discussed. I work solely for the Consumer with their best interests in mind. Education is key. I work hard to make sure I stay up with the latest building trends and continue to better myself with the Client in mind. I have worked in every aspect of the residential building process as well as educated on all environmental challenges associated with structures and the building envelope. My focus today is older homes that require more maintenance with so many older homes in Lee County. I am available to provide your inspection needs for a first time buyer or a seasoned Investor, I provide a detailed report with photos and explanations e-mailed to you by end of the business day. For Home Owners looking to renew or shop around, I can meet their inspection needs with scheduling your wind mitigation verification reports, four point inspections and/or a Roof Certification report. Call me, Wayne at 239-989-3349 to schedule your Inspection.

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