A Four-Point inspection is often required when obtaining a new homeowner’s insurance policy, or when renewing an existing policy. Four-Point requirements will vary from carrier to carrier usually starting at 25-30 years or older. Four-Point inspections consists of a limited visual survey of the following:
The purpose of the inspection is to determine the approximate age, general condition, and remaining lifespan of these systems. This is a limited visual inspection of components the insurance company may find unsafe or problematic.
With regards to the insurance company, they are generally looking to see if your property has been updated to current standards and is in good condition.
*It is important to remember that this is a limited visual inspection and does not guarantee the insurability of the property inspected. A Four-Point inspection should not replace a home inspection, such as for a purchase.