Why a 4 point home inspection?
If your insurer has requested this inspection report, you need to know that this is not a home inspection. It is a survey of the roof, electrical, heating & A/C, and plumbing. Chances are, if the home you are buying is over 40 years old, you may need this report. If you schedule for the same time as another home inspection you'll receive a discount. The purpose of the four point inspection is to discover the condition and age of the 4 major systems of the home in order to determine the level of risk or liability for insurance purposes. The older the home, the higher chance of having a fire from rotted wiring or water damage from plumbing or air conditioning related issues. It is generally assumed by insurance companies that these types of problems will not occur as often in newer homes.