A four-point inspection is sometimes a requirement when obtaining a new homeowners insurance policy or renewing an existing policy for houses that are 25-30 years or older.

This 4-point insurance inspection includes an evaluation of the four following systems.

  • Roof –Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
  • • Electrical System – The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
  • • Heating and Cooling – Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
  • • Plumbing System –    Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks?  The age of the hot water heater.

This type of inspection gives the insurance company a general idea of the condition of the components of the home, and age of these components. Insurance companies request this inspection in older homes to try to limit their liability. For example if the homes roof is near its end of life expectancy the insurance company wants to know this before providing coverage. Again this inspection is usually required by most insurance companies on homes that are 25-30 years or older.