Homeowners who have older homes often have a difficult time obtaining, changing or renewing homeowner’s insurance coverage without an updated home inspection. Typically, they are looking for a 4 point insurance inspection.

A 4-Point Inspection is often a requirement when obtaining a new homeowners insurance policy or renewing an existing policy. A 4 point insurance inspection only concentrates on key items in which the insurance companies are interested in.

• HVAC (Heating, Ventilation and Air Conditioning)
• Electrical wiring and panels
• Plumbing connections and fixtures
• Roof

The intent of the inspection is to determine the components, general condition, and age of these systems.

These inspections are needed because insurance companies have become increasingly hesitant to issue Homeowner Insurance Policies on older homes (usually between 20 – 25 years old or more).Their statistics have shown that homes over 25 years of age have more claims than newer homes. The claims are usually due to deteriorated condition of the older home. The four areas are Roof, HVAC, Plumbing and Roof.

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. Therefore, you are required to get a 4 point insurance inspection to obtain homeowners insurance for older homes.

The insurance company will typically require that the inspections be performed by a suitably licensed and qualified person. All 4-Point inspections should be performed by a Florida State licensed Home Inspector. This type of insurance inspection should not be confused with a “standard home inspection” which is and detail broader in scope.

Special thanks to John C. Hall, President and Inspector, Enterprise Home Inspection Inc. for providing this article. If you or someone you know is interested in home inspections for their property, or have any questions on the process, feel free to contact us, or John directly at enterprisehomeinspection@gmail.com, (904) 378-1227