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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