4 Point Insurance Inspection

I'm John Decker, a Licensed Florida Home Inspector, Who Lives And 

Works In Citrus County.



Florida Home Inspection License # HI1553



Buying, Remodeling, Or Selling Your Home??   We Need To Talk.    I WILL Save You Money! 



  


Did your Insurance Company ask you to have a 4 Point Insurance Inspection

done for your home?


If so, have your 4 Point Insurance Inspection conducted by:

John Decker Home Inspector & Remodeling Consultant Services



What is a 4 Point Insurance Inspection?


While performing a 4 Point Insurance Inspection I carefully examine for the 

insurance company the four main areas of a home that may help them 

determine the insurability of the home.


These areas are:


H.V.A.C. System............( Heating, Ventilation, and Air Conditioning )

Electrical System

Plumbing System

Roof System



Why do I need a 4 Point Inspection?


Insurance companies want to know the condition of older homes before writing a policy 

( between 20 - 25 - 30 years old depending on the insurance company ).



Their main concern is that there may be conditions in an older home that 

could become a liability to them. 


For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy. The homeowner then may file a claim for reimbursement 

from their insurance company for that leaking roof or for water damage 

to the home and/or its contents. 



Similar concerns extend to the condition of the H.V.A.C. system, electrical system, and the 

plumbing system in an older home. 


If these elements are in poor condition, in need of being updated or replaced, or were improperly installed, they may fail and cause mold to grow,  electric fires to start, or flooding to occur in the home.


Newer homes are assumed to not have these problems as frequently as older homes.



Is there a standard form to fill out?


In most cases there is no industry wide standard form for a 4 Point Insurance Inspection.



Can I fill out the form myself?


No! Most Insurance companies require that these forms be filled out by certain 

qualified individuals such as a Licensed Home Inspector, Professional Engineer, 

or General Contractor.



I had a home inspection before I purchased the home, can I use that report instead of getting a 4 Point Insurance Inspection Report?


The insurance companies usually do not want large reports that containing various other information of no use to them. They want specific information pertaining to the H.V.A.C.system, plumbing system, electrical system, and roof in a 4 Point Insurance Inspection Report  along with pictures to show what the inspector has discovered.


Before you pay for any type of home inspection you should do research with your insurance company or have us do it for you to find out if they will require

 a 4 Point Insurance Inspection Report. 


You can usually save money by having more than one inspection done at the same time while the inspector is there and has all of his/her equipment set up and ready to go.



John Decker Home Inspector & Remodeling Consultation Services

John Decker, CPI

InterNACHI® Certified Professional Inspector®



352.228.9376

E-Mail---->BuyersFriend@tampabay.rr.com 



Licensed & Insured Florida Home Inspector

Member Of International Association Of Certified Home Inspectors

H.U.D. & E.P.A. Certified Lead Inspector & Renovator

Certified 4 Point Insurance Inspector


Certified Florida Wind Mitigation Inspector

Certified Chinese Drywall Inspector

 


I Am John Decker. I'm A Licensed Florida Home Inspector, Who Lives And 

Works In Citrus County.



Florida Home Inspection License # H. I. 1553



Buying, Remodeling, Or Selling Your Home??   We Need To Talk.    I WILL Save You Money!