Is the 4-point insurance inspection strictly pass or fail?

Tuesday, July 10, 2018

Not exactly. The report is a questionnaire form created by the insurance company that is filled out by a home inspector and submitted, along with photo documentation, to be reviewed by a company underwriter. Some insurers require that their own form be used, while others allow a generic 4-point form.

    The underwriter, not the home inspector, is the one who determines if the findings are acceptable for issuing your homeowner’s policy. It is a moving target from the inspector’s point of view because each company has slightly different standards for acceptability, and they change over time. So the inspector cannot precisely tell you what the underwriter will determine. 

    There are three possible outcomes when a 4-point report is submitted to the company:

  1. It is approved.
  2. Coverage is denied because of one or more significant defects that are likely to cause a claim in the future, such as an older roof with an active leak.
  3. Coverage is approved with the stipulation that specific problems be repaired or replaced within a certain time frame, usually 30 days.

    While one company may decline to insure a property because of a defect, another insurer might issue the policy and stipulate a deadline for submitting proof of repairs for the same defect.

    If you want to see what a 4-point form looks like, click on either the image below to download and view a CItzens Insurance 4-point form. It is the form most likely necessary for Florida homes 50-years and older. The home inspector association InterNACHI generic form that is accepted by many insurance companies, and require that their speicalized form be used.    Also, see our blog posts Why does my homeowner's insurance want a four point inspection? and How do I get insurance if my home can't pass a 4-point inspection?

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Here’s links to a collection of our other blog posts about INSURANCE:

* Could faulty work or lack of a building permit for home improvements cause an insurance company to deny a claim?

Why is a fuse box/panel an insurance problem for homebuyers?

How is Citizens Property Insurance different from other Florida homeowners insurance companies?  

Do I need a home inspection to get insurance? 

Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection?

What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

Should I give a copy of the home inspection report to the bank or insurance company? 

How do I get the hip roof discount for my homeowners windstorm insurance?

How do I get my home ready for a four point inspection for insurance?

Can I do my own wind mitigation inspection?  

Will a house without air conditioning pass a 4 point inspection?  

• What’s the difference between a gable and hip roof for my insurance?  

• What is the wind mitigation inspection for homeowner's insurance? 

Which water pipes are an insurance problem and possibly uninsurable? 

• Why did I get no discounts or only a small discount from my wind mitigation inspection? 

Why does my homeowner's insurance want a roof inspection? 

• Is it common for an insurance company to require an inspection?  

• How does a repaired sink hole under a house affect its market value?

     Visit our HOME INSPECTION and INSURANCE pages for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles.

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