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Four Point Home Inspection for Insurance

Whether you are considering the purchase of a new or used home in Florida or just getting a new insurance policy, there are many important steps. The decision to get your house inspected is only one of them, but it is a big one. Many insurance companies will require it, but even when they don’t an inspection could just be your best investment ever. Having a qualified expert look at the proposed purchase ahead of time can save you from a very costly mistake. Most insurance policies require a 4-point home inspection, so just what does that entail?


The first of four areas to be inspected is your heating, ventilation and air conditioning (HVAC) systems. The inspector will make sure they all function, but also check for leaks or other problems. This includes central air, heat pumps and even window AC units that may be present.


The electrical inspection will check your breakers or fuse box, as well as the wiring and outlets. Recommendations for repairs will be noted and you will be advised of any safety issues. The inspector will identify the type of wiring used throughout the home and check for proper voltages.


The types of pipes and their condition will be determined by the inspector. He or she will also look at the faucets, fixtures and hot water heater. Finally they will check the condition of your homes supply and drain lines.


Last but not least the home inspector will take a look at your roof. They will note its age, condition and any leaks or other issues that you need to be on top of…no pun intended.

So how exactly does this inspection help you? First and most obviously, it will identify any serious problems within your home, such as preventing a fire or flood. This alone might make it worthwhile, considering the priceless nature of your loved ones. Secondly, it will also identify repairs that you will need sometime in the future. It’s like taking your car into the shop and being told that you will need new brakes in a few months. Do you really want to wait until your brakes fail to fix them? Getting a heads-up on these issues will save you both time and money in the end. You can plan for repairs over time, and do them in the best order possible to protect your investment.

Finally, the 4-point home inspection protects you in another way. After the inspection, you have proof of the status of your home for your insurance. Should the worst happen and you must submit a claim to your insurance, the inspection will show the pre-loss condition of these vital systems. This can be an invaluable tool when working with your insurance adjuster about your claim.

Find a qualified inspector, and have your home inspection done. As always, ask your agent if you need any help or assistance, or to get a homeowners quote today.