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Before scheduling a four-point or wind mitigation inspection, we recommend contacting your insurance company to confirm exactly which inspection(s) they require.
If your insurance company requires both a Four-Point and Wind Mitigation Inspection, ask about having them completed at the same time.
Beach House Home Inspections, LLC offers a substantial discount when both inspections are completed during the same appointment, helping you avoid paying for two separate inspection visits.
Your insurance company can confirm which inspection(s) are required for your specific policy.
What Should Homeowners Have Available?
To help us complete the inspection, homeowners should provide any available documentation, including:
- Roofing permits
- Roof replacement documentation
- Electrical permits
- Plumbing permits
- HVAC permits
- Repair invoices
- Manufacturer documentation
Documentation can be extremely helpful when verifying roof replacements, impact-resistant windows, hurricane shutters, and secondary water resistance.
What is a four point Inspection and what does it Evaluate?
A four-point inspection is a limited inspection that focuses on four major components of the home:
Roof
The inspection documents the roof covering, estimated age, visible condition, and any observed deficiencies that could affect the home's insurability.
Electrical System
The inspection documents the electrical service, panelboards, wiring methods, and visible deficiencies.
Plumbing System
The inspection documents visible plumbing materials, supply and drain piping, water heaters, and observed leaks.
HVAC System
The inspection documents the heating and cooling equipment, estimated age, and visible deficiencies.
important information
A four-point inspection is not a comprehensive home inspection.
The four point inspection is limited to the roof, electrical, plumbing, and HVAC systems and is intended to provide information requested by the insurance company.
Who needs a four point inspection?
Insurance companies commonly request a four-point inspection for:
- Older homes
- Policy renewals
- New insurance policies
- Changes in insurance carriers