4 Point Inspection was created after Hurricane Andrew hit South Florida in 1992. It has become a requirement for homes, that are 25 years or older. Insurance Companies have become more reluctant to offer Insurance for an older home, because of the financial risk.
The 4 Point Inspection is a visual Inspection on the four major components of a home. The Insurance Company is looking for any preexisting defects that could become a liability if a policy were written. The Inspector will collect visual data for the Insurance Company at the time of the Inspection. The 4 Point Inspection provides the Insurance Companies the current operating condition and the expected service life of the four major components of your home.
The four major components that are inspected are:
Installation, general condition, all connected appliances, leakages and estimated life expectancy.
Electrical panel are inspected for brand, wiring types and hazards.
Age, installation, general condition, type of materials used, overhead obstructions, signs of damage, signs of vermin entry.
Heating, Ventilation and Air Conditioning (HVAC) system Inspection
Age, installation, general condition, running temperatures, ventilator balancing, future service requirements and life expectancy.