4 Point Inspections For Older Florida Homes

When you are ready to sell your older Florida home or buy an older house, rental property, or condominium in The Sunshine State, you will almost certainly need to have a 4 point inspection done on the building.

Technically, you can purchase a property before getting a 4-point inspection done, but you normally cannot get a homeowners insurance policy in place before a 4-point home inspection – and your mortgage lender will almost certainly require you purchase homeowners insurance.

What Exactly Is A 4 Point Inspection?
Based on what a 4-point home inspection is, it only makes sense that it’s much more important with homes 40 to 50 years old and older (though not unimportant for any home!)

This kind of basic inspection assesses the condition of the four main systems of any home: roofing, electrical, plumbing, and HVAC. It gives you an idea of how well the property has been maintained over the years and whether all systems are “go” and fully functional.

A licensed professional inspector will note the type of roofing on the building as well as the age and condition of the roof. If there are any roof leaks, missing or damaged shingles, missing flashing, or other problems, you may need to get these fixed before buying home insurance.

The type, age, and condition of electrical wiring and brand of electric panel will be looked at. Types of pipes, supply lines, drainage lines, and hot water heater will be examined. HVAC ducts, ventilation systems, and the furnace will be carefully assessed.

Why 4-Point Inspections Are So Critical
For older homes especially, you will need a 4 point inspection. But other than allowing you to get a homeowners insurance policy in place, what do they do for you? Plenty!

First of all, they help you become aware of existing, developing, and potential future problems so you can get on top of them. They alert you to possible fire hazards, to how much longer you can expect the roofing to last, and to issues that might make you think twice about buying a new home – or that you need to upgrade in order to sell your listed property.

Note that a “full inspection” isn’t the same or a replacement for a 4-point. Most insurers won’t ask for a full inspection, and there’s no need to give a list of every minor issue to an insurer unless it is required. Also, this is not the same as a safety inspection.

Four-point inspections may help you save more on your home insurance premiums. They will definitely help you get approved for your insurance and mortgage.

Note that you should be careful in choosing the best inspection company to handle the 4 point inspection. You want someone who is local and knows which specific things insurers will be looking for. You also want someone who uses the form most acceptable to your desired homeowners insurance company and who takes all essential notes and pictures of your four major home systems.

To learn more about why a 4 point inspection is so important and on how they work in Florida, or to get a free quote on 4-point and other home inspections, contact Super Inspection Pros today!

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