How often do you need a four point inspection?

Sunday, January 10, 2021

A four point inspection is typically required when you apply for homeowners insurance with a new insurer and your home is over 30 years old. They want to know the condition of the roof, electrical, plumbing, and heating/air conditioning systems at the time of application, to evaluate the level of potential risk for a future claim. We know of no standard time frame for repeating a four point inspection after that, but it may be requested for renewal of the policy at any year. 

    An example of why you might be asked for a second four-point just a few years after the initial one would be if the roof was evaluated as having just a few years of remaining life. The insurance company may want an update to verify that it has been replaced or is still in good conditon.

    Also see our blog posts How long is a four point inspection valid? and What causes a house to fail a four point inspection?

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Here’s links to a some of our other blog posts about 4-POINT INSPECTIONS:

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

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?  

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

Do I need a home inspection to get insurance? 

How long does it take for a four point inspection?

Why does my homeowner's insurance want a four point inspection? 

• How do I get insurance if my home can't pass a 4-point inspection? 

At what age of the house does an insurance company require a four point inspection to issue or renew homeowners insurance?  

What would cause a home inspector and roofing contractor to disagree on the remaining life left in a roof?

• Can a patched roof pass a 4-point inspection? 

Why are old electrical components not always "grandfathered" as acceptable by home inspectors?

• Do I need to get a four point inspection for insurance for an older condominium? 

Is a four-point inspection mandatory in Florida for insurance? 

• Is a four point inspection report transferable? 

 What’s the difference between a four-point and wind mitigation inspection?

   Visit our INSURANCE page 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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