4-points by pie

A 4-Point inspection addresses four (4) main building components: 

• Roof
• HVAC
• Electrical
• Plumbing

You may be required to submit a 4-Point inspection form at the request of your insurance company to renew or bind new insurance coverage.

If you are responsible for insurance-related matters pertaining to your property, you will likely need a 4-Point Inspection whenever renewing or binding a new insurance policy. The likelihood for the requirement is greater if your property is more than 20 years old.

The 4-Point inspection results in a completed form that is provided to insurance underwriters and used to evaluate the risk associated with your property. The form is essentially a questionnaire that focuses on general conditions, hazards, outdated components, and maintenance.  They reflect an overall condition of the major systems of a building that are often the biggest liabilities, with the most potential to cause expensive losses. The condition of the roof, hvac, electrical and plumbing are factors they consider when setting a premium and/or binding insurance.  

 
Let us provide some context regarding these systems and what the insurer is interested to verify, they are:

Electrical - All electrical systems must be in good working order. The inspection addresses each outlet and panel, the overall condition of each and any hazards. Single strand aluminum, cloth, knob and tube, or exposed wiring and some panel brands are not acceptable to the insurer and will not pass their evaluation. 

Heating, Ventilation, & Air Conditioner (HVAC) - Insurers will analyze the condition of the hvac system. They need to know the system type, if it is properly cooling and heating the building, any hazards and the last date of service. 

Plumbing - Plumbing is expected to be free of any active leaks and any prior leaks will need to be disclosed by the client.  All plumbing fixtures will be inspected including every toilet, sink, shower, tub, water heater, dishwasher, washing machine, and appliance water line. Any corrosion, mold or wear and tear will be noted on the form. The insurer will also want to know the age, material type and system repair or replacement dates, if applicable. 

Roof - The insurer will expect the roof to have at least 3-5 years remaining useful life, and exhibit no visible damage or leaks. In Florida's insurance market, insurers are often requesting roof replacements prior to binding insurance, even if a 4-Point inspection determines there are 3-5 years of remaining useful life. 

4-Point inspections MUST be completed and endorsed by an authorized inspector when submitting to the insurer and WE are certified. We have inspected literally thousands of these major building components over the last 25 years.