Understanding the Basics of 4-Point Inspections

Understanding the Basics of 4-Point Inspections

A 4-point inspection looks at all four major systems in a home, including roof, plumbing, electrical, and HVAC. It’s essential because these things can cost a lot of money if they need to be in better working condition.

It also helps to ensure that insurance companies know that a home is in good shape and isn’t likely to have any problems with claims. Depending on the age of the house, insurance companies may require a 4-point inspection when you’re buying or renewing a policy.



During the roof portion of a 4-Point Inspection, your inspector will mount on your home’s roof to assess its age and condition. They’ll also look for missing shingles, damage, and signs of water leaks.

The roof is one of the essential parts of your home, as it protects against wind and rain. In addition, it’s a critical part of your home’s energy efficiency and structural integrity.

When a roof isn’t in good shape, it can pose risks to the health and safety of your family. For example, it can lead to leaking and mold accumulation.

Insurance companies require 4-point inspections for older homes. These inspections are a loss-prevention measure. They’re based on statistics showing older homes have more claims than newer ones.


A 4-Point Inspection is a home inspection that examines the four primary systems in a house or condo: the roof, plumbing, electrical, and HVAC. This type of inspection is only sometimes required, but it can be an excellent way to assess the condition of a home and ensure its safety.

Insurance companies often require this type of inspection before insuring a home. This is especially true for homes over 40 years old or rental properties over 30 years old.

commercial building inspector will mount on the roof during a four-point inspection and check for leaks and damage. They will also inspect the home’s plumbing to ensure everything is up to code and functioning properly.

This inspection is a great way to get a home in good shape and increase its chances of homeowners insurance approval. However, it can also lead to a denial of insurance coverage if the house fails to pass this inspection.


Plumbing is one of the most important aspects of a home. Its deterioration can lead to extensive damage that will cost you a lot of money in repairs.

A professional plumber can look at your home’s plumbing system and identify any issues needing fixing. Inspectors also look at the material of your pipes to gauge their likelihood of bursting, which can cause water damage.

Insurance companies will often request this type of inspection before offering homeowners insurance. It helps them determine whether the home is worth insuring and can save them from paying for expensive claims.


A 4-Point Inspection is a quick and efficient way to assess the condition of the major systems in your home. These systems include your roof, electrical, plumbing, and HVAC. They’re all essential components of your home that can lead to expensive repairs and insurance issues if they’re not working correctly.

Your HVAC system is one of the most integral parts of your home. If it needs to be updated or properly installed, it can lead to better air quality and dust accumulation, which could cause health problems.

In addition, a heating and air system that’s too small or needs to be sized correctly for your home can be a potential fire hazard and won’t be approved by your insurance company.

For this reason, it’s essential to have your HVAC system inspected before you buy a home. The inspector will be able to identify any issues and advise you on what needs to be done to ensure it’s in good condition.