While a home doesn’t need to be in perfect condition, a 4 point inspection will tell them about the most significant and costly of your home’s structures. This is important because these systems are the most likely to result in expensive damage or insurance claims.
Here are 5 of the biggest problems inspectors typically find during 4 point inspections.
1. A Damaged Roof
The roof protects your home from wind, snow, rain, and debris. When it isn’t doing its job properly, all sorts of things can go wrong, from water damage and future leaks to being sheared off in strong winds or putting the home at risk for moisture issues and mold growth.
Insurance companies want to see a roof that is less than 15 years old and still has lots of life left. Otherwise, they may refuse to insure the home or charge higher premiums.
2. Exposed or Outdated Wiring
You’d be surprised by how many older homes have exposed or damaged wiring. Typically, this is due to amateur repair jobs or a previous owner neglecting to maintain the electrical system.
We may also notice that the home’s electrical panel is outdated and that circuits are overloaded. Any evidence of old or compromised wires or circuits greatly increases fire risk.
3. Lack of Dedicated HVAC
Not having a permanently installed HVAC or having an outdated HVAC model is another feature that increases the risk of fire. While most homes built in the past 20 to 30 years have a force-air system, older homes may not.
If your home has temporary solutions, like portable heaters, window-mounted A/C units, and fireplaces, they raise red flags on an inspection.
4. An Aging Water Heater
Water heaters have a shelf life – typically between 8 and 12 years. After that, it’s usually wise to replace it. As a water heater approaches the end of its useful life it becomes a risk to the integrity of a home. Older water heaters can leak or start fires. They also lack energy efficiency.
While water heaters are reasonable to replace, a leaky water heater can do significant damage to a home, which is why insurance companies like to see that your home’s water heater is less than ten years old.
5. Leaky Plumbing
Water damage results in costly insurance claims. Leaks or latent water issues can go unchecked for months or even years when the source is hidden behind walls or under floors. That’s why insurance companies may want verification that the plumbing system is in good shape, especially if you’re purchasing a home on the older side.
Super Inspection Pros Specializes in 4 Point Home Inspections
Super Inspection Pros is known for our accurate inspections and fast turnarounds on 4 point inspections and inspection reports. If your insurance carrier asks for a 4 point, you could consider getting a complete home inspection instead. These are significantly more comprehensive and provide more information beyond the main 4 systems in your home. Contact us to schedule your inspection today.
