If you plan to purchase a pre-owned home, your insurance company will want to know that the home has been well-maintained and all major systems are in good working condition. Typically, insurance carriers will require a 4-point inspection on homes older than 20 years, but occasionally some companies will tighten this criterion to include newer homes.
Four Point (4-point) or insurance inspections - which do not take the place of home inspections - involve the collection of information so that the carriers can determine the insurability of a home and provide a quote for coverage.
During a 4-point inspection, KC Inspections inspects the home’s primary systems: the roof, plumbing, electrical and the HVAC (heating, ventilation and air conditioning) systems. The purpose of the 4-point inspection is to assess the condition of these systems and identify any potential risks or issues that could lead to costly repairs or insurance claims in the future.
The focus of the 4-point inspection is on these systems because they’re usually the most expensive to repair and replace, and unfortunately, also become more prone to issues with age. Insurance companies want an evaluation of these systems so they can determine the risk level of property before issuing a policy.
Not only will high marks result in gaining approval for an insurance policy, a 4-point inspection provides homeowners a clear understanding of the safety of your roof and other systems, potentially avoiding costly repairs down the road.
There are a few steps homeowners can take to help ensure they earn high marks on a 4-point inspection. Generally speaking, address any major known issues in the four main areas the inspection will cover. If you’re unsure of what upgrades you need to make, it’s very useful to schedule a preliminary 4-point inspection. This report will provide you details on exactly which areas require attention.
To secure insurance coverage, ensure safety and potentially save money on repairs, you must “pass” a 4-point inspection. Learn more or schedule your 4-point inspection today by reaching out to KC Inspections today by phone at 904.404.9092 or email at KCEnterprisesFL@gmail.com.
댓글