Is air conditioning necessary to pass a 4 point inspection?

Thursday, September 20, 2018

Standards differ between insurance companies somewhat, but the ones we are familiar with do not require air conditioning. They do, however, require installed heating. Portable electric heaters and window air conditioners with a heating mode are not acceptable. 

    Also, see our blog posts Frequently Asked Questions (FAQ) About Four-Point Inspections and Is the 4-point insurance inspection strictly pass or fail? and Why does my homeowner's insurance want a four 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 do I get insurance if my home can't pass a 4-point inspection? 

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

    Visit our 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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