How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
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How long is a four point inspection valid?
Sunday, April 5, 2020
A four point inspection report remains valid for one year after the date of the inspection for submission to an insurance company. This is what it says at the Citizens Insurance website Q&A: "The four-point inspection report must be dated within the last 12 months prior to the new-business application submission date."
Problems can crop up that didn’t exist a year ago and, because the purpose of a four point inspection is to advise the insuror of any conditions that may lead to a claim in the near future—such as a roof leak, dangerous electrical wiring, or deteriorated plumbing—a recent inspection is important. They call it “risk evaluation."
Also, if an older report found that the roof or other house component is very close to the end of its serviceable life, then it would have to be reevaluated before a policy can be issued. For example, if the report indicated that the roof had 4 years of life remaining and 3 years is the cut-off line for insurance, you’ve got a problem.
Also see our blog posts Is a four-point inspection mandatory in Florida for insurance? and Is the 4-point insurance inspection strictly pass or fail? and Will a house without air conditioning pass a 4 point inspection? and How do I get insurance if my home can't pass a 4-point inspection? and Do I need to get a four point inspection for insurance for an older condominium?
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