4-Point Inspections

What is a 4-Point Inspection?

Many insurance companies are opting out of homeowners insurance because of the increase in claims and the remaining few companies require either a full roof or 4 point inspection to be carried out to protect their liability prior to writing the policy.

Insurance Companies Have Three Main Options to Follow Before Agreeing Coverage

  • Agree to application without an inspection assuming all risk
  • Request the owner has a roof inspection
  • Request the owner has a 4 point inspection

Electrical

Checks made on age, installation, general condition, service loading, recent adaptions and life expectancy

Roof

Checks made on age, installation, general condition, type of materials used , overhead obstructions, signs of damage, signs of vermin entry

Plumbing

Checks made on age, installation, general condition, all connected appliances, leakages and life expectancy

Air Conditioning

Checks made on age, installation, general condition, running temperatures, ventilator balancing, future service requirements and life expectancyyttttttttt

Benefits of a 4-Point Inspection

The 4 point inspection is a detailed assessment of electrical, plumbing, air conditioning and roof. The inspection is designed to identify existing conditions and assess remaining life expectancy of the components.

If you are an insurance agent, before you agree to your next policy consider this, has the property ever been subject to any storms, hurricanes or UN licensed home owner adaptations? If you cannot answer this, then you are assuming liability and risk. Our 4 point inspections could save you or your insurance company thousands of dollars.

The main priority for the insurance industry is to ensure the subject property has no pre-existing defects that could become a liability after a policy is written. Roof inspection and 4 point inspection are two preferred methods the insurance industry can use to control their liability and risk. In many cases the electrical system can be a major concern with insurance due to risk of fire associated with inadequate or defective installations. Many fire investigators discover that the cause of an electrical fire is associated to, or is a direct result of an unqualified electrical installation or adaptation.

If you are a home owner and looking to renew or buy new home owners insurance you can save a lot of time and money by having your 4 point inspection ready when you apply. Many home owners are not aware of their policy expiration dates until it is right upon them. This leaves very little time to arrange for renewals. If the insurance company then requests an inspection and you are not able to get it completed in time, your insurance policy may lapse, and you will not be eligible for renewal discounts.

You’re not just buying an inspection.

You’re buying peace of mind.

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Contact Us

We love hearing from you anytime!
Call, text or email us if you have any questions or use the online scheduler to set up a home inspection.

info@budgetservicesfl.com

407-892-8811

Proudly Providing Home Inspection Services

Budget Services is proud to be a member of National Association of Certified Inspectors (NACHI); St. Cloud Chamber of Commerce; Affiliate, Osceola County Association of Realtors, Inc.; State of Florida Certified Operator/Inspectors of Termites and Other Wood Destroying Organisms.

Our inspections are performed in a manner consistent with the Standards of Practice of the American Society of Home Inspectors (ASHI).

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