How to Ace a 4-point Home Inspection and Get Your Insurance Policy Approved

Understanding the Purpose of a 4-Point Home Inspection

4-point home inspection

Before we dive into understanding how to pass a 4-point home inspection, we first need to understand why it is required. A 4-point home inspection is a comprehensive review of the four major systems within your home; electrical, plumbing, roofing, and HVAC (heating, ventilation, and air conditioning). It provides an accurate and up-to-date assessment of the overall condition, age, and life span of these crucial systems that play an important role in the safety, comfort, and energy efficiency of your home.

The reason why a 4-point home inspection is necessary is to ensure the insurer is aware of any potential liabilities that might arise from the property. This means that if something goes wrong with any of the four systems in the future, the insurance provider will have an accurate idea of the condition of your property. The 4-point inspection report is a reflection of the insurability and coverage that your property will have, such as premiums and deductibles. Home insurance companies require 4-point inspections to determine the current condition of a property’s critical systems before they are willing to underwrite (or offer) a new policy, renew an existing one or provide coverage for a new homeowner. By conducting this inspection, insurers can assess their risks concerning any potential financial loses that could occur from your property. Insurance companies usually request this examination on homes that are more than 20 years old, or on older homes that are facing a change of ownership or policy renewal.

One crucial thing to note is that the inspector will not assess the structural or cosmetic condition of your property. The 4-point inspection is not about the aesthetics of your home or its design, and deficiencies in these areas will not impact your ability to get coverage. The 4-point inspection report mainly focuses on four-part systems known as Mechanical, Electrical, Plumbing, and HVAC. Your home inspector will examine the roof for any physical defects, leaks, or signs of age. The inspector will also review the electrical panel, the AC units, ductwork, insulation, plumbing and make sure that all systems are working as intended and are up to code.

It is essential to understand that the purpose of a 4-point home inspection is not just to qualify for homeowners’ insurance, but also to provide peace of mind to homeowners. The inspection provides you with a comprehensive insight into the state of your property’s major systems, allowing you to make any necessary repairs before the situation becomes dire. Being proactive with necessary updates and maintaining these critical systems can prevent more costly, long-term issues from arising.

To summarize, a 4-point home inspection is conducted to evaluate the four primary systems of your home: Electrical, Plumbing, HVAC, and Roofing. The purpose of this inspection is to provide an assessment of the overall condition of these critical systems to determine liabilities and insurability. By conducting this inspection, homeowners can be proactive about maintaining their homes’ critical systems and prevent any potential catastrophes from occurring.

Common areas of concern during a 4-point inspection

Home Inspection

A 4-point inspection is a special type of inspection carried out on homes that are over 25 years old. It focuses on four primary areas which include the roof, electrical, plumbing, and HVAC systems. This inspection is essential for homeowners who want to lower their insurance premiums, maintain their home, or sell it. If you are planning for or have an upcoming 4-point inspection, then here are the common areas of concern you need to pay attention to.

1. Roof


The roof is the first area of a home inspected during a 4-point inspection. One common area of concern during a roof inspection is the presence of cracks, holes, or missing shingles. Such issues can lead to leaks and water damage. Inspectors also check for signs of wear and tear, sagging, or damage to the roof structure. The inspectors also look out for the installation of appropriate ventilation and gauge the overall condition and age of the roof. Additionally, your inspector will check for proper flashing around all roof surfaces and penetrations, such as chimneys and vent pipes.

2. Electrical System

Electrical System

The electrical system’s inspection is another common concern area of a home 4-point inspection. The electrical inspection considers the age of the home wiring, the type of wiring present, and its overall condition. The inspector will also check if the electrical system meets the required legal power standards. The inspector will need to verify the presence of safety measures such as outlet covers, circuit interruption devices, proper grounding, and the age of the electrical panel. Further, inspecting the electrical system entails looking out for any signs of wear and tear, tripping breakers, and check if there are any exposed wires.

One way to ensure the electrical system is in excellent condition is by hiring a licensed electrician to inspect the property. The electrician will examine your home’s wiring to ensure it is up to code. Faulty wiring is a safety hazard and can lead to fires and other electrical problems.

3. Plumbing System


The plumbing system is essential to every home, and inspectors will take a thorough look at it during a 4-point inspection. They will examine plumbing fixtures, pipes, water heater, sewage system, and water pressure. The inspection should detect the presence of leaks and water damage, corrosion of pipes, adequate water pressure throughout the property, and drainage problems. Additionally, the inspector will check if the property has a proper trap and vent, functional shutoffs, a functioning drain system, and proper water flow.

4. HVAC Systems

HVAC System

The Heating Ventilation and Air Conditioning system, commonly known as HVAC, is an essential component of a home. Inspectors must verify that the HVAC systems comply with safety standards and the manufacturer’s installation guidelines. The inspection also entails checking the condition of air ducts, filters, and any fire hazards like the distance between the gas appliance and flammable materials. The inspector will look at the age and size of the HVAC system and assess its overall condition. They will test the HVAC operation and pressurize the system to check for leaks.

Overall, your home 4-point inspection should be a thorough process that scrutinizes all areas of your property. To guarantee the best results during the inspection, ensure your home is prepared, and all 4 areas of inspection are well maintained. Always keep all potential areas of concern in mind, and make any necessary repairs ahead of the inspection. In conclusion, a little preparation can save money and prevent trouble.

Preparing your home for a 4-point inspection


When getting ready for a 4-point inspection, homeowners may feel overwhelmed or uncertain about what to expect. However, preparation is key to a smooth and successful inspection. Here are some tips on how to prepare your home for a 4-point inspection:

1. Clean up and de-clutter

One of the easiest ways to prepare your home for an inspection is to clean it up and remove any clutter. This includes removing unnecessary items from your attic, basement, and garage. By doing this, it allows the inspector to easily access all areas of your home and ensures that nothing is missed. A de-cluttered home will also appear more organized and well-maintained, which can make a positive impression on the inspector.

2. Ensure proper lighting

It’s important to ensure that every area of your home is well-lit during the inspection. This includes attics, basements, and crawl spaces as well. Make sure that all light bulbs are working properly and replace any that are burned out. This not only helps the inspector see more clearly but also helps to highlight any issues that they may need to address.

3. Check your electrical system


Your electrical system is an essential component of your home, and it’s important to ensure that it is in good working order before the inspection. This includes checking for any exposed wires or frayed cords, making sure that all outlets and light switches are properly grounded, and checking for any signs of overheating or arcing. If you’re not comfortable checking the electrical system yourself, consider hiring a qualified electrician to help you.

Another thing to keep in mind is that your home’s electrical system may have undergone several changes and upgrades over the years. It’s important to have proper documentation of these changes, including permits and receipts for any work done. This will not only help the inspector understand the state of your electrical system but also help with any potential insurance claims.

4. Check your plumbing

Your home’s plumbing system is another essential component that requires attention before the inspection. Make sure that all faucets and toilets are in proper working order and that there are no leaks or signs of water damage. This includes inspecting your home’s water heater for any corrosion or sediment buildup. It’s also important to make sure the hot water temperature is not too high to prevent any potential accidents.

If your home has a septic system, make sure that it has been recently pumped and that there are no blockages or backups. Check for signs of water pooling or seepage in the yard, which could indicate a problem with the septic system. If you’re not comfortable inspecting your plumbing yourself, consider hiring a professional plumber to help.

5. Check your HVAC system


The HVAC system in your home is a crucial component of your comfort and well-being, so it’s important to ensure that it is in proper working order before the inspection. This includes checking your air filters, making sure all vents are clear and unobstructed, and checking for any signs of corrosion or damage on your HVAC equipment. Additionally, make sure that your thermostat is properly calibrated and that your HVAC system is functioning properly in all areas of your home.

A professional HVAC technician can also help you with this checkup and provide necessary repairs or maintenance, if needed.


Preparation is the key to passing a 4-point inspection with flying colors. By cleaning up and decluttering your home, ensuring proper lighting, checking your electrical, plumbing, and HVAC systems, you’ll have a good chance at getting a passing grade. Remember, should you need any help with any of these components, it’s always best to hire a professional.

Hiring a qualified inspector for your 4-point inspection

Home inspector

When it comes to buying or selling a home, a 4-point home inspection is a crucial step in the process to ensure the safety, quality, and integrity of a home’s four main systems: the electrical, plumbing, HVAC, and roofing. A 4-point inspection is usually required by insurance companies before a policy is issued on an older home, and it’s important to hire a qualified inspector for the job.

Choosing the right inspector can be overwhelming, but here are some tips to help you find a qualified professional:

Research their credentials:

Look for an inspector that is licensed, certified, and insured. These credentials indicate that the inspector has met specific education and training requirements in the industry and that they are qualified to identify potential problems in your home’s four main systems.


When it comes to home inspections, experience counts. Look for an inspector that has years of experience in the industry and has performed numerous 4-point home inspections. Experienced inspectors can detect issues that may go unnoticed by someone who is new to the field.

Inspection report:

A good inspector should provide you with an in-depth inspection report that includes a detailed description of the condition of your home’s four systems, as well as recommendations for repairs or replacements. The report should also include photos of any problem areas to help you understand the issues that need to be addressed.

References and reviews:

Ask for references from the inspector and don’t hesitate to contact them to ask about their experience with the inspector. Additionally, look for online reviews and testimonials from previous clients. This can give you insight into how the inspector works and whether they are reliable and trustworthy.


While cost shouldn’t be the only factor in choosing an inspector, it’s essential to know what you’re getting for your money. Be wary of inspectors that offer prices that seem too good to be true, as they may be cutting corners or skipping important steps in the inspection process.

Overall, finding a qualified inspector for your 4-point home inspection is crucial for ensuring the safety and integrity of your home’s four main systems. By researching their credentials, experience, inspection report, references and reviews, and cost, you can hire an inspector that you can trust to give you an accurate assessment of your home.

Addressing Issues Identified During a 4-Point Inspection

home inspection

Once a 4-point home inspection is completed, issues may be identified that require repair or attention. It is important to address these issues in a timely manner to ensure the safety and livability of the home. Here are some tips on how to handle the most common issues found during a 4-point inspection:

1. Electrical System

electrical system

If issues are found with the electrical system during the 4-point inspection, it is important to contact a licensed electrician for repairs. Electrical problems can be dangerous and should not be attempted to be fixed by someone who is not trained and experienced in handling them. Once the repairs have been made, it is important to obtain a certificate of compliance from the electrician to show that the work was done properly.

2. Plumbing System

plumbing system

If issues are found with the plumbing system during the 4-point inspection, it is important to contact a licensed plumber to diagnose and repair the problem. Leaks or other problems with the plumbing system can lead to water damage and mold growth, so it is important to address them promptly. Once the repairs have been made, it is important to obtain a certificate of compliance from the plumber to show that the work was done properly.

3. Heating, Ventilation, and Air Conditioning (HVAC) System

HVAC system

If issues are found with the HVAC system during the 4-point inspection, it is important to contact a licensed HVAC technician. Problems with the HVAC system can lead to inefficient heating or cooling and high utility bills. Additionally, issues with the HVAC system can affect the air quality in the home, which can be a health hazard for those living there. Once the repairs have been made, it is important to obtain a certificate of compliance from the technician to show that the work was done properly.

4. Roof


If issues are found with the roof during the 4-point inspection, it is important to contact a licensed roofing contractor. Roof damage can lead to leaks and water damage, which can be costly to repair. Additionally, if the roof is not in good condition, it can be a safety hazard. Once the repairs have been made, it is important to obtain a certificate of compliance from the contractor to show that the work was done properly.

5. Structural Issues

structural issues

In some cases, the 4-point inspection may identify structural issues with the home. These can include foundation problems, cracks in walls or ceilings, or other issues that affect the stability of the home. If structural issues are found, it is important to contact a licensed engineer or contractor to assess the extent of the damage and determine the best course of action for repairs. Structural issues can be costly to repair and can affect the safety and value of the home, so it is important to address them promptly.

Overall, it is important to take all issues identified during a 4-point home inspection seriously and address them promptly. By working with licensed professionals and obtaining certificates of compliance, you can ensure that the repairs are done properly and that your home is safe and livable for years to come.

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