Good to know: A four-point inspection reports condition for insurance purposes only. It does not guarantee coverage, a rate, or a discount — your insurer makes that decision.
Who it’s for
- Owners of homes roughly 25–40+ years old whose insurer requests one
- Buyers of an older home who need insurance bound before closing
- Anyone shopping or renewing a homeowners policy on an older property
What we check
The four systems
- Roof — covering type, approximate age, and visible condition
- Electrical — panel, wiring type, and visible hazards
- Plumbing — supply/drain material, water heater, visible leaks
- HVAC — heating and cooling equipment age and condition
What’s not included
- A four-point inspection does NOT replace a full home inspection — it only reviews four systems
- It does not guarantee that an insurer will issue a policy or a particular rate — the insurer decides
- It is not a warranty on those systems
How it works
- Schedule online or by call/text — often combined with wind mitigation on the same visit
- On-site review of the four systems with photos on the insurer’s form
- Documentation typically delivered within 24 hours
What you receive
- A completed four-point report on the standard insurer form, with photos
- Clear notes on system age and any visible concerns
See a sample report
Curious what you actually get? Here is a real sample of our reporting on a demo property (PDF):
Pricing
Pricing depends on the property’s size, age, foundation type, and the services you combine. Call, text, or use the online scheduler for a fast, no-obligation instant quote.
Questions about 4-Point
Do I need a four-point if my home is new?
Usually not. Four-point inspections are typically requested for older homes, often around 25–40+ years old. Your insurer sets the threshold.
Can I combine it with wind mitigation?
Yes — many owners book a four-point and a wind mitigation together on one visit to save time.
Will a four-point pass or fail my home?
It documents condition; there is no formal “pass/fail.” The insurer reviews the report and makes the coverage decision.