All You Need To Know About A 4-Point Home Inspection

Usually, a professional home inspector knows the process to conduct more than a single type of inspection process, so that he or she can provide better services to the customer. Some of the examples include the testing of the home interiors for mould, radon and vermin. Sometimes, home inspectors may also be required to know the procedure to conduct wind mitigation inspections.

So, what exactly is a 4-Point home inspection? In simple words, a residential 4-Point home inspection is an easy & fast assessment of all the major components inside a house that are frequently used. In this procedure, the time required will be less and the overall paperwork involved will also be minimal. 

Who Is Responsible For Ordering A 4-Point Home Inspection?

According to professional services for a home inspection in Saint Robert, a 4-Point home inspection process is responsible for providing a simple snapshot of the condition of the property. These types of inspections are generally issued by underwriters working in the insurance business before issuing insurance to a homebuyer. There will also be moments when homeowners would want to opt for a lower premium model for their home insurance policies, which is the reason why these insurance underwriters can order such an inspection. 

It should also be known that 4-Point home inspections are ordered when insurers are planning to provide insurance to old houses. In recent years, most home insurance companies out there have been very reluctant in offering proper insurance coverage to older homes. That’s why nowadays, insurance companies require 4-Point home inspections for homes that are more than 40 years old and rental properties are rated to be more than 30 years old. 

Why 4-Point And Not A Full Home Inspection?

When it comes to insurance companies, they simply don’t need to know in-depth about the home’s overall condition. A full home inspection process will cover the following inspection criteria:

  • The structural integrity of the house
  • Exteriors & interiors of the house
  • Inspection of the garage
  • HVAC systems
  • The electrical system
  • The roofing system
  • The home’s septic & plumbing systems
  • Kitchen appliances
  • Bathroom & kitchen fixtures
  • The windows & doors
  • The insulation and the attic
  • The siding and the stucco
  • Windows & doors
  • Patios, porches, and much more

Even though there are some amount of similarities between 4-Point home inspections and full home inspections, a 4-Point home inspection will only cover the following:

  • The HVAC system
  • The electrical system of the entire house
  • The home’s plumbing system
  • The roof

It should be known that the majority of home defects are found in these above-mentioned points of inspection. And that’s what a 4-Point home inspection process is all about.

We hope you liked our in-depth insights on the matter and in case you want to share your feedback, simply connect with us. 

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