4-Point Inspection
Insurance-required inspection of roof, electrical, plumbing, and HVAC.
A 4-point inspection is a focused inspection of four major systems — roof, electrical, plumbing, and HVAC — typically required by insurance companies for older homes (often 25+ years) before they will write a homeowners policy.
Why this matters
If your insurance company requires a 4-point inspection, you cannot get coverage without one. We provide 4-point inspections in the standard insurance-acceptable format with all required photos and documentation.
What's covered
- ✓Roof: age, condition, remaining service life estimate
- ✓Electrical: panel brand, amperage, condition, known-issue brand identification
- ✓Plumbing: supply material, drain material, water heater age and condition
- ✓HVAC: heating and cooling age, condition, remaining service life estimate
Southern Minnesota considerations
Insurance carriers in Minnesota and Iowa increasingly require 4-point inspections on homes over 25 years — common in our service area. Federal Pacific or Zinsco panels frequently trigger insurance requirements.
Pricing
$250 standalone, or add to standard inspection for $100. Get exact pricing for your property using the instant quote tool below.
Common questions
Why does insurance require a 4-point?
These four systems are the most expensive to repair and the most likely to cause major claims. Insurers want to know they are in serviceable condition before issuing a policy.
Will I fail my 4-point?
A 4-point is informational — there is no pass/fail. Insurance will use the report to decide whether to insure, what to charge, and whether to require repairs.
Add 4-Point Inspection to your inspection
$250 standalone, or add to standard inspection for $100. Get an instant quote in 60 seconds.
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