Should I fix all the defects listed in a four point inspection report right away or submit it to the insurance company first?

Saturday, September 25, 2021

If you want to limit the expense of the repairs, we suggest first submitting the report to your insurance company and waiting to get a list of what they want fixed before proceeding with any repairs. We have done a lot of four points over the years, along with the follow-up revised reports after repairs, and found that the underwriters don’t always ask for every defect listed on the report to be repaired. 

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Here’s links to other questions we get asked about four point inspections: 

Is the 4-point insurance inspection strictly pass or fail? 

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

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?  

Why is a fuse box/panel an insurance problem for homebuyers? 

 Which water pipes are an insurance problem and possibly uninsurable? 

• 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?

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

• 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? 

How long is a four point inspection valid?

    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.  

Water Heaters

Water Heater Age

Wells

Septic Tank Systems

Structure and Rooms

Plumbing Pipes

Termites, Wood Rot

& Pests

Sinkholes

Stairs

When It First

Became Code

"Should I Buy A..."

Park Model Homes

Site

Shingle Roofs

Safety

Stucco

Remodeling

Wind Mitigation Form

Roof and Attic

"Does A Home

Inspector...?"

Pool and Spa

"What Is The Difference Between..."

Radon

Brick

Plumbing

Concrete and

Concrete Block

Metal Roofs

Foundations

Modular Homes

Rain Gutters

Mold, Lead & Other Contaminants

Condominiums

Older and

Historic Houses

Crawl Spaces

Mobile/Manufactured Homes

Building Permits

Life Expectancy

Clay Soil

Insurance

Floors

Insulation

Toilets

Exterior Walls & Structures

Generators

Common Problems

HUD-Code for

Mobile Homes

Garages and Carports

Flat (Low Slope) Roofs

Electrical Panels

Sprinkler Systems

Electrical Receptacle Outlets

4-Point Inspections

Hurricane Resistance

Frequently Asked Questions (FAQ)

Home Inspection

Heating and Air Conditioning

Building Codes

Fireplaces and Chimneys

Inspector Licensing

& Standards

Energy Efficiency

Washers and Dryers

Electrical

Kitchens

Doors and Windows

(placeholder)

Cracks

Electrical Wiring

Click Below  

for Links

to Collections

of Blog Posts

by Subject

Plumbing Drains

and Traps

Appliances

Smoke & CO Alarms

Aging in Place

Top 5 results given instantly.

Click on magnifying glass

for all search results.

Bathrooms

Lighting

AFCI, CAFCI,

DFCI, & GFCI

Sinks

Air Conditioner & Furnace Age/Size

Attics

Electrical Switches

Siding

Search

This

Site

Water Intrusion

Electrical - Old

and Obsolete

(placeholder)

Foundation Certifications

Tiny Houses

How To Look At A House

McGarry and Madsen's home inspection blog for buyers of  

site-built, mobile/manfuactured and modular homes

About Us