What are the requirements to perform a 4-point inspection for insurance purposes?

The requirements for performing a 4-point inspection for insurance companies can vary depending on the specific insurer and state regulations. However, some general guidelines and common requirements include:

  1. Licensed Inspector: Typically, insurance companies require the 4-point inspection to be conducted by a licensed and qualified home inspector. The inspector should have the necessary certifications and experience to assess the specific components covered in the inspection.
  2. Inspection Form: Insurance companies often provide a specific 4-point inspection form that the inspector must use. This form outlines the details and information required for each of the four major systems: roof, plumbing, electrical, and HVAC. The inspector needs to complete this form accurately.
  3. Clear and Detailed Documentation: The inspection report should include clear and detailed documentation of the condition of each of the four systems. This documentation may include photographs, descriptions of any issues found, and the overall condition of the components.
  4. Information on Age and Condition: The inspector typically needs to provide information on the age and condition of each system. This is crucial for insurance underwriting purposes, as it helps the insurer assess the potential risks associated with the property.
  5. Compliance with Local Codes: The inspection should verify that the systems meet local building codes and regulations. Non-compliance with codes may be a factor in determining insurance coverage and pricing.
  6. Applicable State Regulations: Some states have specific regulations governing 4-point inspections. Inspectors need to be aware of and comply with these regulations to ensure the inspection is valid for insurance purposes.

It’s essential for homeowners and potential homebuyers to check with their insurance company to understand the specific requirements and forms needed for a 4-point inspection in their region. Insurance companies may have different criteria, so it’s advisable to communicate directly with the insurer or the appointed inspector for accurate and up-to-date information.