Insurance 4 Point Inspection Focus on 4 Main Components.
- Roofing: The condition, age, and materials of the roof.
- Electrical: The electrical system, including the wiring, panels, and any potential hazards.
- Plumbing: The plumbing system, including pipes, fixtures, any signs of leaks or water damage.
- HVAC (Heating, Ventilation, and Air Conditioning): The heating and cooling systems, including the age and condition of the units.
What is a 4 Point and why do I need one.
A Florida Insurance 4-point inspection is a specific type of home inspection required by insurance companies. Whether you’re living in Wesley Chapel or in Clearwater on the coast, many insurance companies mandate a 4-point inspection and wind mitigation inspection before they will issue or renew a homeowner’s insurance policy. The inspection helps identify potential issues that could lead to significant damage or claims, thereby reducing the risk of large payouts for the insurers. Without this inspection, obtaining the necessary insurance coverage may be difficult and is often a requirement for mortgage lenders. In summary, a Florida 4-point inspection is essential for securing homeowner’s insurance and ensuring that the key components of your property are in safe and functional condition. Let’s explore the 4 components in more detail.
Roofing
During the roof inspection we document the overall condition by taking detailed photos and looking for signs of leaks, pooling water, cracked or missing shingles, excessive granular loss, the roofs age and expected remaining life. Insurers such as CITIZENS which is the a state insurer of last resort is looking for at least 5 years of life left on your roof.
Plumbing
We look for the type of pipes you have in your home such as polybutylene which is known to leak over time. We are also looking at any of the exposed valves, and hoses for signs of leaks or potential failure. Corrosion on pipes is a sign of a small leak that could become large and should be addressed. The water heater age and general condition is also looked at.
Electrical
Your homes electrical system is evaluated for safety and function. We are looking for unsafe wiring such as double taps, cloth wiring, recalled electrical panels, overloaded breakers and panel systems. One of the most common failures of an insurance 4 point inspection is a double tap which is 2 wires in one breaker which could lead to a short or a fire.
HVAC
HVAC which stands for Heating, Ventilation and Air Conditioning is an integral part of your homes systems. During the 4 point inspection we are looking at the units age, the ductwork for signs of leaks or damage, weather the unit is cooling properly and the overall condition of the unit. The age is also noted and reported on.
