4 Point Inspection
A “Four Point Inspection” focuses only on four main areas of interest in a home:
- HVAC (Heating, Ventilation and Air Conditioning)
- Electrical wiring and panels
- Plumbing connections and fixtures
- Roof
A four-point home inspection is limited to a skilled inspection of the roof, the electrical system, plumbing, and the heating, ventilation, and air conditioning (HVAC) system. Though we (and you) are not given specific requirements that must be met by the insurance companies, we have deduced from experience specific system elements that are important — age and type of system and its essential parts, the condition of the system, and whether the system has been updated to more current standards and/or quality. It’s the underwriter’s job, not to qualify you for homeowners insurance, but to determine if there is a reason to disqualify you. Our experience and skills in the four-point home inspection mean we can help you know what you can perhaps do to rectify possible disqualifying issues in your major home systems.
WHY DO I NEED A FOUR-POINT INSPECTION?
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 30 years old or more). Their common concern is that there may be conditions in an older home that could become a liability to them. 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 or its contents. Similar concerns extend to the condition of the HVAC, electrical, and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced, or were improperly installed, they may fail and cause fire or water damage to a home. Newer homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.
Contact
Guardian Angel Inspections, Inc.
Phone :
561-512-7854
Code Of Ethics
At Guardian Angel Inspections, we are focused on providing a Home Inspection Service that is bound to a strict Code of Ethics, and standards of practice. What that means for you is, that we ensure that you will receive the “Highest Quality” service and high standard of professionalism and business ethics . We follow NACHI Nationally Accepted Code of Ethics, Nationally Accepted Standards of Practice, we do Not Perform Repairs on Any Home Inspected and Work Exclusively for the Customer.
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