Focused insurance information

Four-Point Inspection

A limited inspection focused primarily on the roof, electrical, plumbing, and heating and cooling systems.

Overview

Focused information for an insurance request

A four-point inspection is a limited inspection centered on the roof, plumbing, heating and cooling, and electrical systems. Insurance providers commonly request this information for underwriting purposes.

Requirements vary. Clients should confirm the required form and any supporting documentation with the requesting insurance company before the appointment.

What the inspection includes

Four focused system areas

The requesting form and written inspection agreement control the information collected and reported.

Roof covering, age information, and visible condition requested by the form

Visible plumbing-system information

Heating and cooling equipment information

Electrical-system information requested by the form

Why this service is important

Insurers use the report to make their own underwriting decision

A four-point inspection provides limited current information about four major systems. The insurer—not the inspector—decides whether the report is acceptable and whether coverage will be offered.

Who should consider this service

Designed for a specific property decision or request

Property owners or insurance applicants whose insurer has requested a four-point inspection or specific form.

Owners applying for property insurance

Clients whose insurer requests an updated form

Buyers arranging coverage

Policyholders responding to underwriting requirements

Frequently asked questions