4-Point Insurance Inspection

The 4-Point Inspection is often a required inspection in order to obtain (or maintain) insurance coverage.  The inspection requirements were designed by insurance companies in order to get a better understanding of the structure they are insuring. This is especially pertinent when insuring an older home. Older homes have had more time in which to have systems repaired or replaced or for things to potentially fall in to disrepair.  Older homes also may have used construction techniques or materials that were normal at the time, but were subsequently phased out in favor of more modern practices.  

Everything about the 4-point inspection is related to obtaining or retaining homeowner’s insurance.  It’s a limited scope inspection that only takes about an hour in most cases.  It’s focused on insurance and has nothing to do with the type of home inspection one should get if they are deciding whether or not to buy a home. For that, you would need a 100-Point Home Inspection.  100-Point Home Inspections often take 3-4 hours and provide an in-depth look at numerous features throughout a home. Exclusively or primarily using a 4-point insurance inspection to decide whether or not to buy a home is not advised.

4-Point Insurance Inspection Fee:
Standalone  $100.00, $50.00 with 100-Point/Pre-Listing Inspection