4-Point Inspections: When and Why You Need One
A 4-point inspection focuses on your home’s roof, plumbing, electrical, and HVAC systems, helping maintain insurability and secure better homeowners insurance rates. But how often do you need one, and what triggers the need for a new inspection?
What is a 4 point inspection?
A 4-point inspection evaluates the condition of the following areas:
- Roof: Age, condition, and remaining lifespan.
- Plumbing: Types of pipes, leaks, or issues with functionality.
- Electrical: Panel types, wiring, and overall safety.
- HVAC: Age, condition, and functionality of heating and cooling systems.
HOW LONG IS A 4 POINT INSPECTION GOOD FOR
Unlike some inspections, a 4-point inspection is only valid for one year. This short validity period reflects the importance of keeping your home’s critical systems up to date and safe.
WHEN TO GET A new 4 POINT INSPECTION
In addition to the annual expiration, there are specific circumstances where you’ll need a new 4-point inspection:
- Roof Replacement or Repairs: If you’ve replaced or repaired your roof, it’s essential to document these updates with a new inspection.
- Plumbing Upgrades: Changes such as replacing old pipes or addressing leaks warrant a fresh evaluation.
- Electrical Panel Changes: Replacing or upgrading your electrical panel or addressing safety concerns requires an updated inspection.
- HVAC Replacement: Installing a new heating or cooling system calls for a new inspection to verify functionality and safety.
SHOPPING FOR NEW HOMEOWNERS INSURANCE
The most common reason for getting a 4-point inspection is shopping for a new homeowners insurance policy. Many insurance companies require this inspection to evaluate the risk associated with your home and determine eligibility for coverage. A current 4-point inspection can streamline the process and potentially save you money.
TRUST SQUARE 1 HOME INSPECTIONS
When it’s time for a 4-point inspection, turn to the professionals at Square 1 Home Inspections. Our experienced team provides thorough inspections to ensure your home meets insurance requirements and gives you peace of mind.
Stay proactive about your home’s maintenance and insurance needs. Contact us to schedule your 4-point inspection with a Square 1 Home inspector!
