The Four Point Insurance Home Inspection consists of a visual survey and includes photos of the following four primary components of a house:
Insurance Companies are inspecting the condition of the components listed above to be working as intended within the manufacturers specifications. They 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.
Insurance companies are reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years+) because of the liability exposure to them. A four point inspection evaluates the condition and age of roofs, HVAC, electrical and plumbing systems.