4-Point Inspection

What is a 4-point inspection?

A 4 point is no substitute for a complete home inspection or pre-sale home inspection. Although a 4 point looks at the main components of your home the inspection is not as comprehensive as a complete home inspection.

During the 4-point inspection,

I will check the electrical system to confirm

  • That the capacity of the power distribution center is adequate
  • What type of wiring is present (copper, aluminum, knob and tube, etc.)
  • What type of over current devices are present (circuit breakers or fuses)
  • If there were any upgrades/updates to the electrical system
  • If the panel is grounded properly
  • If there is any exposed/loose or unsafe wiring
  • If there are any blown fuses or tripped breakers
  • If there are any empty breaker sockets
  • If there are any double taps
  • The brand and model of the electric panel
  • If aluminum branch wiring is present and any remediation done for the aluminum wiring.
  • If there are any breakers improperly sized
  • If there is any evidence of scorching in the panel box

I will check the HVAC system to confirm

  • That the system is in good working order
  • The age of the system
  • The year it was last updated
  • If there are any hazards present
    • A wood-burning stove or central gas fireplace not professionally installed
    • A space heater used as a primary heat source
  • If there is a central HVAC system and if it is the primary heat source

I will check the Plumbing system to confirm

  • The age of the system
  • The type of pipes used to supply water throughout the house
  • If it is in good working order
  • The year it was last updated
  • The location of the water heater
  • The general condition of all plumbing fixtures and appliances connected to the water supply
  • If there are any deficiencies
    • An active leak
    • Indications of a prior leak
    • Connections/Hoses leaking or cracked
    • Water heater TPR Valve

I will check the Roof to confirm

  • The Covering material (asphalt shingle, concrete/clay tile, metal, etc.)
  • The age of the roof
  • The remaining useful life
  • The last time it was updated or replaced (a permit is required for verification)
  • The overall condition of the roof
  • If there are any visible signs of a leak
  • If there are any visible signs of damage/deterioration
    • Cracking
    • Cupping/curling
    • Excessive granule loss
    • Exposed asphalt
    • Exposed felt
    • Missing/loose/cracked tabs or tiles
    • Soft spots in decking
    • Visible hail damage


Electrical Inspection
Roof Inspection

The main purpose of the 4-point inspection is to let your insurance company know the condition of these 4 main components of your home. It is essentially a pass or fail inspection. It outlines any hazardous or detrimental conditions that may lead to collateral damage to the home. While the complete home inspection is not a pass or fail. It is an objective look at the condition of the property. The 4-point inspection usually takes an hour or less. A complete home inspection lasts between 3 and 5 hours. The complete home inspection checks all these items and hundreds more. It also includes pictures and recommendations regarding any issues found.

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