What is a 4-point inspection & do I need one?

Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).

Their common concern is that there may be conditions in an older home that could become a liability to them. For instance, a home with a roof nearing the end of its life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced, or were improperly installed, they may fail and cause fire or water damage to a home.

Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.

What does the 4-point insurance inspection cover?

All 4-point inspections include a basic evaluation of the following systems and their components:

Roof Inspection


Insurance companies want to know the condition and approximate age of the roof, as well as the expected remaining life.



We identify the type of materials used (copper, plastic, etc.), dates of any system upgrades, any current leaks or problems, as well as information about the hot water heater.

Electrical System

Electrical System

We provide information about the size of the main service, any dangerous wiring, details regarding upgrades, the maker of the electric panel, and the existence of any unsafe aluminum wiring.

HVAC – Heating and Cooling Systems

HVAC – Heating and Cooling Systems

We identify the date of installation, approximate expected life of the unit(s), and any current problems with the system.

Many people ask, “I had a home inspection… can’t I just use that report?”

Insurance companies typically will not accept your home inspection report because they are looking for very specific information. Your home inspection report is too detailed. They want just the information they are looking for, and that is supplied on the 4-point inspection. We recommend you contact your insurance company prior to having your home inspection to find out if you will need a 4-point inspection to obtain coverage. Even if it is not required to get coverage, quite often insurers will provide discounts when a 4-point inspection is provided. If you find that a 4-point insurance inspection will be beneficial, just let us know in advance and we can provide it with your full inspection – usually for less than if done separately.

Need a 4-point inspection in Central New York?

Simply request one below and we will get back to you within 24 hours! Do you still have questions about the 4-point inspection? If so, contact us and we will be more than happy to explain it in more detail.

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