Four Point Inspections

A 4 point inspection is normally required when the home being purchased is over 30 years.
Although some insurance underwriter require 20 years and some require a 4 points if it is
50 years and over the majority of underwriters are 30 years or older.

What does 4 Point mean?

  • The 4 point mean the inspector is checking to see if the house has been brought up to code so the insurance
    company can issue insurance. It covers the main 4 points of a home: The roof, plumbing, electrical & the HVAC

What does this mean if I am purchasing a 30+ year old home?

  • Call your prospective insurance company and ask them if you will need a 4 point inspection.
  • If they say yes the house needs to pass before they can write the policy. In many cases you can not get your
    mortgage if you do not have a homeowners policy. The lack of having this inspection could hold up your closing.

Can't I just use the Home Inspection Report instead of a separate 4 Point Report?
  • In most cases the Insurance company will require a separate report

House 2 Home will discount the 4 Point Inspection if it is conducted with the Home
Inspection. Two (2) separate reports will be issued. The Home Inspection report which goes
to you and the 4 Point report which goes to the Insurance company.