Verify Insurability and potential discounts for Your Home.
A four-point inspection may be an important part of purchasing a new homeowner's insurance policy or renewing an existing policy. In addition to offering premium discounts, it helps the insurance company determine whether to insure the home in its current state or what improvements would be needed to obtain insurance. The focus of a four point inspection is to determine the approximate age and general condition of major system components.
An insurance inspection should not be confused with a "standard home inspection," which is more comprehensive in regards to both detail and scope. A four-point inspection consists of a visual survey of the following four systems:
Roof – Assessing the general condition of the roof, attic (visible signs of leaks?), roof covering (approximate year installed?), insulation, skylights, and ridge vents
Plumbing – Evaluating plumbing supply lines and types and checking for any visible leaks under sinks or around drains
HVAC (Heat, Ventilation & Air Conditioning) – Verifying interior and exterior air conditioning units' year, make, model, and condition (visible corrosion, leaks, or drain pan issues?)
Electrical – Checking electrical panel, grounds, breakers, type of wiring, and condition of mast; if overhead electric panel is present – identifying year installed and verifying condition and presence of GFCI's.
Depending on state requirements, insurance companies will usually require that the inspection be performed by a licensed inspector. Consult your insurance provider concerning any specific requirements.
Professional home inspections conducted by a TEAM of inspectors.
As the professional leader in home inspections, HomeTeam takes great pride in being fast, trusted, and accurate.
HomeTeam offers convenient bookings, efficient inspections and fast reports on every home inspection.
Why Trust HomeTeam?
"The inspectors were on time (if not early), knowledgeable, and friendly. They also relayed information in a way that allowed me to understand what was going on. I felt they were incredibly thorough. They certainly made me feel confident based on the inspection of the property I purchased."
"Everyone was completely thorough. It was great that HomeTeam was able to coordinate all inspections to be completed at the same time (insect, insurance, etc.). I just had to make one phone call and everything was done."
"I like the team concept because everyone had their own area of expertise. They were friendly, competent and certainly on time!"
"They explained things in an easy-to-understand fashion. The inspection results were delivered very quickly."
Andrew and Michelle Hamilton
"The team members we worked with were helpful, friendly and knowledgeable."