4 Point Inspections
This weeks blog is about 4 point inspections. The purpose of 4 point inspections and some tricky sales gimmicks of other companies that inflate the inspection process. So lets begin.
A “Four-Point Inspection” is an inspection catered to the insurance companies. With this type of inspection an insurance carrier does not want to go thru 50 plus pages of a home inspection report. There is a lot of software out there and all is different reporting styles when it comes to the actual 4 points.
The 4 Points inspected are: Roof, Electrical, Plumbing, and HVAC. So for example, the roof is inspected to make sure no leaks, no turn shingles and also no condensation in the attic. The electrical has to be in good working order. This means the panel box has no double taps, no over heated breakers and that if aluminum multi-strand wire, the wire has an oxidizing agent applied to the wire. When the plumbing is inspected there can not be any leaks under sinks, hot water heater is in good working order, no corrosion on pipes and if a well is on premise the well pump and filtration system is in good working order.
Lastly, is the HVAC system. Here in Florida, a lot of times we will see heat pumps. This is your a/c and heat. The air handler unit is usually in the garage or the attic. We check to make sure the system is performing properly. No burnt wires inside the housing, the coils are cleaned on the units, drip pans are not clogged, the disconnects to the units work properly and the thermostat is working properly. I usually check the ambient temperature to compare to the outside. Keep in mind that the a/c can not be checked if the outside temperature is below 60 degrees. This may cause damage to the compressor and other components of the system.
So above is the inspection points of the Four Point Inspection. The inspector also, has to check with the local government building department for permits on the home, for the 4 Points.
Now lets briefly discuss why insurance companies require them. First of all, any home over 25 years old the systems may start to enter the bonus life of the system. For example, if a hot water heater is over 15years of age. Its time to replace or really start to budget for that item. So the insurance carrier wants to see if there are any updates been done to the home. The 4 Point Inspection is not to be considered a full general inspection, nor is it never to be. The reporting for the 4 Point is on insurance dedicated forms. For example, “Citizens Insurance”, ” Tower Hill” or “State Farm” insurance.
In closing a lot of home inspection companies will offer this service as an ancillary service with the home inspection, only. We offer this service as a full service for our clients. And you may here from time to time catch phrases during the inspection process of 7 points, 21 points, etc. Pay no attention to them. At Emerald Inspection Service, you have your 4 Point Inspection, our self generated 5 Point Inspection which is for mobile homes and investors only, and the General Inspection. We perform these type of inspections from Sebring to Hernando. From Saint Petersburg to Sumterville Florida within a 24-36 hour time frame. For more information about #4PointInspections go to our website: https://www.emeraldinspectionservice.com/4-point-inspections.html
Or call us anytime, 352-322-2700 or 844 RADON 40.