4-Point Inspections and Homeowners Insurance

A 4-point inspection is usually requested by insurance companies, especially if you’re buying a home older than 25 years. Basically, it gives the homeowners insurance company a measure of risk – and can dictate how much you will pay in premiums and deductions for them to cover that risk.

Your local home inspection company doesn’t necessarily give detailed information following a 4-point inspection. If a problem is revealed, your home inspection professional would provide information about the specific issue without recommending types of repairs. Any concerns would need a more detailed inspection.

The standard buyer-seller homeowners inspection is more detailed than the 4-point. The 4-point probably should not be used to satisfy real estate purchase inspections for a mortgage lender, for example.

Lifespan is Key
Assuming there are no weather-related catastrophes and under normal wear-and-tear conditions, what’s the lifespan of your 4-point inspection focal points? What your insurance company wants to know is the longevity of your 4 major property components (electrical, HVAC [heating, ventilation, air conditioning], plumbing, and roof).

If Your 4-Point Inspection Identifies an Issue
Again, a 4-point inspection is not what you need as a homebuyer. It only takes about 45 minutes, but you might not be able to insure the property if you fail the 4-point insurance inspection. You will have to address the issues or switch to another insurance company.

Homeowners Insurance During Renovations, Construction
If you are building new or remodeling a home prior to moving in, you still need insurance. If you don’t qualify for “regular” homeowners insurance, you can request a surplus lines policy. It’s expensive but worth it.

Renovating and building new is like take-off and landing at the airport. More things can go wrong at that time.

Your Real Estate Agent Can Help
If your “dream home” fails the 4-point inspection, it’s not necessarily a deal-breaker. Your real estate professional can help you figure the costs of further inspection and repairs, then figure those expenses into the purchase contract.

The seller can subtract those costs from the purchase price or pay to have the repairs completed. If the seller balks at this, it might be a good idea to walk away.

4-Point Inspections in Florida
Sometimes an insurance company will request a 4-point inspection to determine if a homeowner is providing due diligence in property maintenance. In other words, if you “let your house go” as we say here in the South, your insurance company can pull the plug on their coverage.

Since 2018, 4-point inspections are required in Florida for homes older than 30 years. If you’re selling your home, obtaining a 4-point inspection can make your property more appealing to prospective buyers.

Informational, Beneficial Home Inspections: SIP
When you need any type of home inspection, call 386-279-0802 and speak with your Volusia County home inspection company. Super Inspection Pros has a team of licensed inspectors with experience in Florida real estate inspections. Because Florida is unlike any other state, you can depend on our inspections:

  • 4-Point
  • Infrared
  • Whole-house
  • Wind mitigation

We know what to look for and where to look. Contact SIP now for more information.

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