Q. What is a 4 point inspection? Can I fail it?
A. A 4 Point inspection is like a check-up for the vital systems in your home. The inspection isn’t conducted on a pass/fail basis, but it can reveal areas that need repair. The 4 points examined are the roof, electrical wiring, plumbing, and heating/cooling systems. Many homeowner insurance companies require 4 Point inspections once homes reach a certain age. It’s a relatively easy and inexpensive way to ensure that your home is healthy and doesn’t have any hidden problems that may reveal themselves when least expected. When you hire someone to do an inspection you make sure they are licensed. We work with a few highly rated and recommended inspectors so if you need their number give us a call! It is possible that your insurance company may come back and request that you make a change based on the results of the 4 Point Inspection. For example, there are electrical panels that are old and can be a fire hazard and certain types of pipes that are found to leak more so if you have them the company may request that you replace or fix them.
It also helps you to get a more thorough inspection, so that there are no unpleasant surprises later on.
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You are very correct. The inspections help the insurance companies underwrite and can alert a homeowner about a potential issue.