Four-Point inspections are the most commonly requested service offered by Super Inspection Pros (SIP).
While it’s not as comprehensive as a whole home inspection, a 4 point inspection closely and thoroughly evaluates the four major home systems associated with the most costly repairs and replacements. It is also the type of inspection desired by Florida insurance carriers before agreeing to insure a home or determine policy premium costs.
FAQs about 4-Point Inspections
If you’re wondering which type of home inspection to schedule, or you’re interested in learning more about 4-point inspections, the following answers to our most frequently asked questions should do the trick.
And, of course, you can always call Super Inspection Pros to help you determine which inspection is right for your situation or schedule a home inspection ASAP.
1. When do I need a 4-point inspection?
Homeowners are most likely to request a 4-point inspection before:
- Purchasing a home
- Getting a new homeowner’s insurance policy
- Renewing a homeowner’s insurance policy
- Negotiating a better insurance rate
2. What does a 4-point inspection cover?
These inspections take a comprehensive look at four major home systems:
- Roof. We’ll let you know the approximate roof age and whether or not it needs to be repaired or replaced. Inspectors look at everything from the shingles, roof deck, and water drainage to soffits, ventilation, and seals around penetrations. We’ll also make recommendations if we feel it needs wind mitigation reinforcement.
- HVAC and ductwork. In a hot, humid climate like ours, homes need top-notch, well-maintained HVAC systems. Not only does this exponentially lower utility spending, but outdated or poorly functioning HVAC systems and ducts can negatively impact whole-home comfort, humidity levels, and indoor air quality.
- Plumbing system. First and foremost, we ensure there are no latent, hidden leaks and that the plumbing and fixtures are up to current code standards. We also verify water pressure and water heater installation/function.
- Electrical work. Shoddy electrical work, including old wiring, bad switches/outlets, or overloaded electrical panels, are a significant fire and safety risk. However, unlike your roof or your HVAC, electrical systems can appear to function normally right up until they fail.
3. Can’t I skip the inspection to get a better deal on my new home?
We never recommend skipping a home inspection before purchasing a new home. We know it’s tempting, especially in today’s real estate market. However, skipping a home inspection may mean spending tens of thousands of dollars more than you would have if it turns out your home needs a new roof, HVAC system or has other expensive repair and replacement needs.
Your pre-purchase home inspection highlights major issues that need immediate attention, such as structural repairs/rot or home features that aren’t in compliance with current building codes. Rather than “missing out” on a good deal, a professional home inspection report may allow you to negotiate a far lower purchase price than your waived inspection would have.
4. How much does the inspection cost?
Home inspection prices may vary according to the size of the home as well as its age. As you can imagine, a well-built home that is five years old takes less time to inspect than a home that is 30 years old or older.
Here in Volusia County, the average cost for a 4 point inspection is between $100 and $175.
5. Why does my insurance carrier want a 4-point inspection report?
Florida’s record-level winds and storms these past 20 years have given homeowners’ insurance carriers a run for their money. The recent passing of SB 76 is part of a significant re-regulation in support of the insurance companies. Customers must show proof of a well-maintained roof and other home features to qualify for insurance and obtain the best rates possible.
6. Are inspections “pass or fail?” What does the report include?
Inspection reports are more detailed than “pass or fail.” They include an itemized list of the inspection areas and information about whether it’s in good shape or needs repairs and replacement. For example, if you’re inspection report indicates you need a particular roof repair, a copy of the final report and completed repair documentation from a licensed roofing contractor will satisfy the insurance carrier.
7. How long does it take to schedule an inspection?
The time between your initial call, the inspection date, and a finalized report depends on your chosen home inspection company and their workload. Here at SIP, we’re fortunate to have a roster of InterNACHI-certified home inspectors that allow us to guarantee 24-hour turnarounds.
8. Do I need to be present during the inspection?
No, you do not. However, homeowners who attend home inspections typically learn a lot about their home (or prospective home) they wouldn’t have known otherwise. This helps to make more informed purchase or renovation plans.
Use 4-Point Inspection Pros
The Super Inspection Pros team is Volusia County’s go-to 4 point inspection resource. Contact us to schedule your inspection.