A four-point inspection is a type of home inspection that focuses on four key areas of a property: the roof, electrical system, plumbing system, and HVAC (heating, ventilation, and air conditioning) system. It is typically required by insurance companies for homes that are 20 years or older or have not been updated in a certain number of years.

Four-point inspections are commonly required in states that are prone to natural disasters such as hurricanes, earthquakes, or floods. For example, in Florida, many insurance companies require four-point inspections for homes to be eligible for coverage due to the risk of hurricane damage.

However, four-point inspections may also be required in other areas where there is a high risk of property damage or safety hazards. It’s always a good idea to check with your insurance company to find out if a four-point inspection is required for your home.

During a four point inspection, a licensed inspector will visually examine each of the four systems to determine their age, condition, and overall functionality. They will look for any signs of damage, wear and tear, or potential safety hazards that could pose a risk to the property or its occupants. The inspector will then provide a report that outlines their findings and recommendations for any necessary repairs or upgrades.

The cost of a four-point inspection can vary depending on several factors, including the location of the property, the size of the home, and the complexity of the inspection. However, on average, you can expect to pay between $125 and $250 for a standard four-point inspection.

It is important to note that the cost of the inspection may be covered by the insurance company if it is required as part of the insurance application process. In some cases, the cost may be included in the overall cost of the homeowner’s insurance policy.