How To Look At A House

McGarry and Madsen's home inspection blog for buyers of  

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Frequently Asked Questions (FAQ) about Four Point Inspections

Friday, October 18, 2019

A “four point” is an abbreviated inspection on a standard form, usually only a few pages with attached photos. Many insurance companies require one before offering a homeowner’s policy for older homes and mobile homes. The focus of the inspection is identifying any defects that may cause a claim during the life of the policy, such as an older water heater, corroded plumbing, a leaking roof, or haphazard electrical wiring.

Why does my homeowner's insurance want a four point inspection? 

Is the 4-point insurance inspection strictly pass or fail? 

How do I get my home ready for a four point inspection for insurance?

Will a house without air conditioning pass a 4 point inspection?   

Why are old electrical components not always "grandfathered" as acceptable?
 
  Which water pipes are an insurance problem and possibly uninsurable? 

At what age of the house does an insurance company require a four point inspection to issue or renew homeowners insurance?  

• Can a patched roof pass a 4-point inspection? 

• Do I need to get a four point inspection for insurance for an older condominium? 

• How do I get insurance if my home can't pass a 4-point inspection?

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