A 4-point inspection is an examination of the current condition of a house or condominium, reviewing four major systems: roofing, electrical, plumbing and HVAC.
This specific inspection is requested by homeowners’ insurance companies before someone can renew or be eligible for their desired coverage plan.
When having a 4-point inspection completed, the licensed inspector will examine the following systems:
HVAC, which stands for heating, ventilation and air conditioning, can be considered one of the most integral systems, as it regulates the climate control within your home. Improperly installed or outdated HVAC systems elevate the risk of poor air quality and dust accumulation, potentially leading to unwanted health complications if left unchecked.
As the licensed inspector examines the HVAC unit, they will be looking for the following:
A homeowner must have an appropriately-sized, fully functioning heating and cooling unit installed in their home. It’s important to note that fireplaces, oil furnaces and window AC units are not considered primary heating and cooling units for a home due to safety concerns and energy inefficiency.
Although not seen as pass/fail criteria for the inspection, the condition and age of the HVAC unit is reviewed during the inspection. The inspector will be able to get a better idea of the life expectancy of the unit when examining these factors, while also gauging how well-maintained the system is. As long as there are no apparent system issues, you should be fine.
Note: If an HVAC unit is over 20 years old, you will likely be advised to replace the system for an updated model.
When it comes to the inspection of your electrical system, inspectors will mainly be looking to make sure that all electrical outlets are properly grounded, and that the system’s size is appropriate for the size of the house.
If an inspector discovers an issue with your electrical system, your insurance company may still accept the inspection. It is really dependent on the severity of the violation and the potential risk associated with it. However, there are some components of an electrical system that may make it uninsurable. These include:
During the inspection of the home’s plumbing system, the licensed inspector will evaluate the material and age of the drain and supply lines throughout the house, looking for signs of leakage. They will also look at the current condition of the water heater, ensuring it effectively distributes water throughout the home.
The roof inspection is known for being the most comprehensive portion. The roof design of a home is not only integral to the entire building structure, but it also impacts factors like energy efficiency and mold accumulation. Inspectors look closely for potential health and safety risks that may compromise the structure of the home and the safety of those living within.
The following are factors evaluated during the roofing inspection:
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