Why is my Home Insurance Company Requiring a 4-Point Home Inspection?

As each year passes, people celebrate a birthday and get another year older, and houses have birthdays too, so to speak. If you live in a home that was built in 1989, then that means it’s 25 years of age and that age represents a higher risk to home insurance companies.

So, if you received your annual insurance policy with a renewal notice it might also contain a request that you have a certified inspection company submit a 4-point inspection before they will renew the insurance policy.

What is a 4-Point Inspection?

If you live in the State of Florida, this inspection requires that a certified inspector must review the home’s major systems.

  • Plumbing
  • HVAC
  • Electrical
  • Roof

Since Florida experiences strong winds, insurance companies need to know that the roof on a 25-30 year old home is still stable and that they will not be responsible for paying on a roof damage claim the next time a named hurricane comes through.
An evaluation of the electrical systems will immediately let the insurance company know if there is a possibility of an electrical fire because of outdated wiring.

Poor and corroded plumbing can mean the possibility of flood damage. And, if the heating or cooling system cuts out in a Florida home, then the insurance company might have to pay a claim on Loss of Use.

The point of the 4-point is to make sure the home is still a safe property and still worth insuring at a low premium rate.

Certified Home Inspection Company

Generally, the insurance company has a list of approved Florida home inspectors to provide this service. There is the possibility that not every system has to be reviewed, so cut the cost of the inspection by letting the inspector know which systems must be looked over. If you have more questions about this type of inspection, please contact one of our representatives at 407-658-8267 to get more information.


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