Seacliff Home Inspections


4-Point Inspection

Focus On Four Main Areas Of Concern
A "Four Point Inspection" id designed to focus on the four main areas of concern for your insurance company with regards to your home. Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).

The 4 point inspection is a detailed assessment of the electrical, plumbing, HVAC (heating and air conditioning), and the roof. The inspection is designed to identify the existing condition of components and assess the remaining life expectancy of the materials. All the main electrical outlets are inspected including the service panel and circuit breakers. Tests are carried out to identify if the system is overloaded from the original design.

A "Four Point Inspection" includes a limited scope evaluation of the following four most specific systems and components that are of concern in a home:

  • HVAC (Heating, Ventilation and Air Conditioning)
  • Electrical Wiring and Panels
  • Plumbing Connections and Fixtures
  • Roof

Their common concern is that there may be conditions in an older home that could become a liability to the insurance company. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home and/or its contents. Similar concerns also extend to the condition of the furnace, air conditioner, electrical and plumbing systems. If any of these components are in poor condition, in need of being updated or replaced, or were improperly installed or altered, they may fail and cause fire, water, or other damage to a home.

Newer homes are assumed (at least by the insurance companies) to not have these problems as frequently as older homes.

Can I use this as a less expensive pre-purchase home inspection?
No. A "Four-Point Inspection" is not intended for use as a pre-sale or pre-purchase comprehensive inspection. As it is geared for your insurance needs and will not contain the type of information you may need to make an informed decision before purchase. That being said, if the home is relatively new and you are comfortable with the general condition of the home and just want to confirm that these four major components are in good shape, then a "Four-Point Inspection" may be all that you need.

Will a "Four-Point Inspection" guarantee me to be accecpted by the insurance company?
No. Please understand that Seacliff Inspections is not employed by the insurance companies, and cannot guarantee any aspect of the Four Point Inspection, including but not limited to: INSURABILITY, UNDERWRITING, NEED FOR ADDITIONAL CERTIFICATION OR INSPECTIONS SUBSEQUENT TO INITIAL INSPECTION, WORK TO BE PERFORMED FOLLOWING INSPECTION, ETC. You may, however, download a sample report and send it to your insurance company to see if it will be acceptable.