If you are shopping for a home, you probably already know about the importance of home inspections. However, you might not be familiar with the purpose of a 4 point home inspection. This article will help you understand 4 point home inspections and why your insurance company might require one.

Why Do Insurance Companies Require 4 Point Home Inspections?

Insurance companies want to know the condition of the major components of the home before they underwrite a homeowners insurance policy. This is why insurance companies sometimes request a 4 point inspection form to be completed by a professional inspector. The 4 components assessed during the inspection are the HVAC, plumbing, electrical system, and roof.


Insurance companies are interested in the details of the HVAC system including the energy source, the age of the system, and the condition of the parts. Because homes without HVAC are more likely to have mold and other issues, insurance companies will sometimes deny coverage if a house is missing this system.

2. Plumbing

When something goes wrong with the plumbing in a house, it can be invasive and expensive to fix. Insurance companies want to know what material the plumbing pipes are made from and how long they are expected to hold up. This is why plumbing is included in a 4 point home inspection. Some companies deny coverage to homes with polybutylene piping, which was a common material used in Florida throughout the 80s and 90s.

3. Electrical System

Faulty electrical systems are a fire hazard that homeowners insurance companies are concerned about. The inspector will take notes on the type and condition of the electrical panel, the grounding system, and the circuitry.

4. Roofing

The roof is one of the most expensive components of the home. Roofing protects the framework of the house and the contents inside. Because roof maintenance can mean costly repairs or an entire replacement of the roof, the insurance company wants to know the age and condition of the roof.

We Offer 4 Point Home Inspections

Riverview Home Inspections provides 4 point home inspections to Riverview, Florida and the surrounding areas. If your insurance company requires a 4 point inspection report, contact us to request an appointment.