4 Point Insurance Inspection
Inspection for Older Homes
Do you own an older home, or are you in the process of buying an older home?
If yes, you will likely need a 4 point inspection. At Kisssee Inspection Services, we have a team of professional inspectors passionate about helping you understand your current property or the property which you are going to invest in. We are confident our 4 point inspection services will give you complete peace of mind. You will get real value of the money spent in inspection. We provide home owners, buyers and sellers the most precise and thorough narrative of the condition of the property with the help of a detailed report.
What is a four point inspection?
A 4 point inspection is a type of home inspection that is required for getting a suitable insurance coverage or for maintaining or renewing an insurance policy. It was formulated by home insurance companies to assist them get a complete understanding of the property they are insuring. This inspection holds a lot of importance in older homes. This is because older homes are more likely in the condition that cannot be repaired, or may need time for multiple repairs. In addition to this, it may be possible that the property may not be up to modern standards. The company issuing the insurance should be aware of these things to make sure the property is eligible for the insurance coverage. Usually, many insurance companies look for a 4 point inspection after the property has reached a certain age. And many of them may also ask before they are issuing insurance for a newly purchased home. Things may vary, depending on your insurance company, their requirements and their underwriting rules.
What is included in a 4 point inspection?
A 4 point inspection focuses on the major four common elements of a home that may have worn out over the years or need to be repaired because their failure could lead to significant damage to your home. The job is done by a qualified home inspector and covers the following four major components.
A 4 point inspection will focus on the following four main aspects of the home:
Heating, Ventilation and Air Conditioning (HVAC)
The inspector will look at the size of the air/heating conditioning unit, its installation date, and the overall condition of the unit. You will find that many insurance companies prefer HVAC units to be less than 15 years old. Our inspectors are capable enough to complete this inspection in a professional way.
Electrical Wiring & Panels
The municipalities and states follow the National Electrical Code. The National Electrical Code gets updated every three years to reset minimum electrical standards for technical improvements as well as fire safety. Our 4-point insurance inspection professionals will check for tattered, free, or uncovered wiring. They will do this to check whether the electrical breakers are of the proper size or not. They will check whether the wiring or the panels require updating or replacement before the insurance can be offered.
Plumbing Connections & Fixtures
Our inspectors will conduct deep inspection of the age and condition of your plumbing system, including the water heater, main supply line, and the waste lines. The professionals will look for leaks, corroded piping, and the type of piping used.
Under roof inspection, the inspectors will look at the age and the overall condition of the roofing system. The roofing defects like lifting, curling, missing shingles, blistering, etc, will be identified. Most of the insurance companies need a minimum of 3 to 5 years of remaining life to provide a policy.
At Kisssee Inspection Services, our inspectors are trained, qualified, and experienced to conduct a proper inspection and generate a genuine four point insurance inspection report based on their findings. The detailed report will explain the condition and age of the above mentioned four important aspects – the roof, electrical system, HVAC, and plumbing.
Why do I need a 4 point inspection?
Before the thought, “how can I find professional 4 point inspection services near me,” strikes your mind, try to find out why you need a 4 point inspection service. This service is recommended for everyone who wants insurance coverage for their home, be it owner, buyer or seller. If you are planning to place your house in the market, a thorough 4 point insurance inspection is a necessity. On the other hand, if you are planning to buy a home, you need to make sure that the property is worth the heavy investment. You will surely want to know whether the new home requires any repairs or not, who will be performing the repair, and whether you can get a price reduction or not. You will come to know whether you are getting your money’s worth or not. You will have complete peace of mind knowing that there are no hazards involved while buying or selling the property.
How much does a 4 point inspection cost?
This is often the first question home buyers or sellers ask before investing in a 4 point inspection. You need to understand here that one size does not fit all. The size and the age of a home may vary, and so does the experience and knowledge of the inspectors. Some homes can be inspected in just 3 to 4 hours, while larger and older homes can take 4 to 5 hours or even more than that. So, the 4 point insurance inspection cost may vary depending on the above-mentioned conditions.
How to pass a 4 point home inspection?
You can pass a 4 point home inspection by hiring our inspection professionals. Our inspectors will inspect the four major systems – the roof, electrical, plumbing, and HVAC. All the defects will be identified so that you can get them fixed before they cause damage to your property. Your property should be well-kept, and the major systems should be in a good working condition. You may fail in the inspection if the shingle roof is over 20 years old or if the roof is damaged. You may also fail if your water heater is over 18 to 20 years or your home is without a central heat and air and if the electric and plumbing system is not up to the mark.
Kisssee Inspection Services: The 4 point inspection company you can rely on
When it comes to buying or selling your home, you should choose us for a 4 point home inspection. This will save you both time and money. It will help you get a good deal from your insurance company while buying or renewing the insurance policy. You may also be eligible for great renewal discounts. We have the knowledge, experience and skills to carry a comprehensive inspection and provide you a detailed 4 point insurance inspection report covering all our findings. We will also provide you suggestions to make things work for you. Our team of inspectors is industry expert and always delivers their job to a high standard. Our solutions and recommendations will help you make the best possible decision.
Call us today if you want to know more about our services or want to schedule an inspection. We will eagerly respond to your needs and offer you the best possible solutions.