How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manfuactured and modular homes
Frequently Asked Questions (FAQ) about Four Point Inspections
Friday, October 18, 2019
A “four point” is an abbreviated inspection on a standard form, usually only a few pages with attached photos. Many insurance companies require one before offering a homeowner’s policy for older homes and mobile homes. The focus of the inspection is identifying any defects that may cause a claim during the life of the policy, such as an older water heater, corroded plumbing, a leaking roof, or haphazard electrical wiring.
• Why does my homeowner's insurance want a four point inspection?
• Is the 4-point insurance inspection strictly pass or fail?
• How do I get my home ready for a four point inspection for insurance?
• Will a house without air conditioning pass a 4 point inspection?
• Why are old electrical components not always "grandfathered" as acceptable?
• Which water pipes are an insurance problem and possibly uninsurable?
• At what age of the house does an insurance company require a four point inspection to issue or renew homeowners insurance?
• Can a patched roof pass a 4-point inspection?
• Do I need to get a four point inspection for insurance for an older condominium?
• How do I get insurance if my home can't pass a 4-point inspection?
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