Closer Look Inspections, Inc.

In Florida, homebuyers often encounter a requirement from insurance companies to complete a four-point inspection before they can secure a homeowner's insurance policy. This specific type of inspection focuses on four critical areas of the home: the roof, electrical system, plumbing, and HVAC (heating, ventilation, and air conditioning). Understanding why insurance companies mandate this inspection can help you appreciate its importance and prepare accordingly. Today we thought we might give you some information to help you see the other side of that coin. Mitigating Risk 1. Reducing the Likelihood of Claims Insurance companies operate on the principle of risk management. Homes with outdated or poorly maintained systems are more likely to experience failures that could lead to significant damage and, consequently, expensive claims. By requiring a four-point inspection, insurance companies can assess the condition of these key systems and identify potential risks before issuing a po

  What is a Four-Point Inspection? A four-point inspection is a specialized evaluation that focuses on four primary systems of a home: the roof, electrical system, plumbing, and HVAC (heating, ventilation, and air conditioning). This type of inspection is often required by insurance companies, particularly for homes that are 10+ years old or older, before they will issue or renew a homeowner's insurance policy. The goal of a four-point inspection is to assess the current condition and remaining lifespan of these critical systems, rather than providing a comprehensive assessment of the entire home. What Does a Four-Point Inspection Cover? 1. Roof The roof is one of the most critical components of a home, protecting it from the elements and maintaining its structural integrity. During a four-point inspection, the inspector will evaluate the following aspects of the roof: Age and Type : The inspector will determine the age and type of roofing material used, such as shingles, tiles, or