A four-point inspection is an analysis of the four major parts of your home. It is most common in Florida homes and the surrounding coastal states.
For you to get or retain the validity of your older home insurance cover, most insurance companies will require a four-point inspection just to understand the risks of the real estate they are insuring.
What’s covered in a 4- point inspection?
Just as the name implies, this inspection covers 4 major components of your home. These components are:
- The roof – the roof age, type of roof covering, and the shingles are inspected
- Electrical systems – basically the electrical panels and wirings are the main focus
- Z Plumbing systems – it includes the water heater inspection, the drain lines, the overall condition of the plumbing system, and also an inspection on any signs of water damage
- And the condition of the Heating, Ventilation, and Air conditioning systems
Besides these major components, an inspector will also examine the structure of your home and write a report that will entail pictures showing each system and the interior and exterior of your home.
But do not confuse 4- point inspection with a full home inspection. A four-point inspection can leave out some areas of importance of the home which is covered in a full home inspection.
What’s the cost of a 4- point inspection?
There is no set price for these kinds of inspections; it generally relies on the inspection company you hire and the state you are in.
However, you can expect to pay between $70 – $150 for a stand-alone inspection.
But if you combine a four-point inspection with a general home inspection, you may be able to kill two birds with one stone and still get a lower charge.