The Four Point Insurance Inspection consists of a visual survey of the following four primary components:
- HVAC System
The insurance companies are expecting the condition of the components listed above to be working as intended within the manufacturer’s specifications. The criteria used to judge the components include:
- Current operating conditions
- Scheduled maintenance requirements
- Expected service life
Is there a standard form to fill out?
There is no industry wide standard form for a Four Point Inspection. Some insurance companies provide their own forms; however, most insurance companies will accept forms from companies that perform home inspections provided that they are filled out by qualified individuals. Allison Property Inspections has developed a form that meets the requirements of most insurance company.
Can I fill out the form myself?
Insurance companies want these forms filled out by certain qualified individuals such as a licensed Professional Engineer, Electrician, General or Roofing Contractor and Certified Home Inspector.
I had a home inspection before I purchased the home.
Can I use that report instead of getting a Four Point Inspection Report? The insurance companies do not want large reports that contain other information. They want only specific information about the HVAC, plumbing, electrical system and roof in a short one or two page signed document.
In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance companies recognize the value of the inspection and the savings benefits it provides to the insurance carrier. Allison Property Inspections is proud to offer four point insurance inspections as part of our full line of inspection services.