4 Point Inspections: A Closer Look At Your Plumbing

Water damage is one of the most common claims that insurance companies have to deal with, so it’s no surprise that they want to evaluate the plumbing before offering you that homeowners insurance. Not only is water damage common, it’s also very costly to fix. It doesn’t help that the many issues with the plumbing are difficult to spot until they become serious. A 4 point inspection can spot potential problems before they get too out of hand.

Here are the plumbing issues that your inspector will look out for during your 4 point inspection:

The Water Heater
The water heater is often at the center of plumbing-related issues. The issues usually arise due to an aging water heater. Aging water heaters can be responsible for leaks, carbon monoxide poisoning, mold, and a host of other problems. They are designed to last quite a while, but eventually they do need to be replaced. Most water heaters last anywhere from 8-12 years, possibly more if they are well taken care of. If the water heater is 20 years or older, you’re definitely due for a replacement.

Appropriate Plumbing Materials
Insurance companies want to see that your plumbing uses modern materials. The following materials are generally considered acceptable:

  • PVC
  • Copper
  • Cast Iron
  • PEX
  • Galvanized metals

Other materials may be noted on the 4 point inspection report and you’ll be asked to replace them before you can get homeowners insurance. Exactly what’s acceptable will vary from provider to provider. Some may not want to see galvanized piping, as it’s known to cause issues in some cases.

Being made of the appropriate materials doesn’t necessarily mean that the plumbing is up to snuff, however. That’s why your inspector will continue on to look at the overall condition of the piping.

Condition Of The Piping
The condition of the piping is just as important as what it’s made out of. The most common issue that arises from leaky piping is damage to the walls or the flooring. If allowed to go on long enough, these leaks can permanently damage the very foundation of your home. You don’t even want to know how expensive that is to fix, and your insurance company doesn’t want you to find out either. If your piping is old or showing signs of damage, then you might need to replace it, even if it isn’t currently causing issues. A little bit of rust or a small crack can easily become a pricey problem within a few short months.

Plumbing Fixtures
Fixtures like the drains, sinks, bathtubs, and shower heads will also be inspected. Generally, these aren’t a huge deal. A leaky faucet or some slight rust on the shower head won’t keep you from getting homeowners insurance. Providers do like to see that fixtures are being maintained, however. In extreme cases, such as a drain that is completely clogged, you may be asked to do some work before you can sign off on your insurance.

At Super Inspection Pros our licensed inspectors have years experience performing efficient 4 point inspections. We’ve worked with many insurance providers so we know how to tailor our reports to get you the best results possible. Please, contact us today to learn more about our inspection process or to schedule a 4 point inspection of your home.

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