Four-Point Inspection Issues That Can Affect Insurance Coverage

A four-point inspection focuses on four major systems within the home:

• Roof
• Electrical
• Plumbing
• HVAC

Insurance companies often review these reports when determining eligibility for coverage.

Common concerns include aging water heaters, outdated electrical components, older plumbing materials, and roofs nearing the end of their expected lifespan.

Knowing what insurance providers are looking for can help buyers better prepare for the home-buying process and avoid last-minute surprises before closing.

Home Inspection Resources