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Protect your home and your wallet—ensure your key systems are in top shape for insurance coverage.
Four Point Inspection
Insurance providers often require a Four-Point Inspection to assess the overall condition of four key systems in your home: roof, electrical, HVAC, and plumbing. This inspection helps insurers confirm that these systems are in safe, functional condition or have been properly updated before issuing or renewing a policy.
In addition to the standard state inspection form, many insurance underwriters have their own reporting requirements. If your agent has requested a Four-Point Inspection, it’s important to confirm any specific details they need, this helps avoid delays or report revisions that can cost you extra time and money.
If you’ve recently upgraded your roof, plumbing, electrical, or HVAC systems, an updated Four-Point Inspection may even help you qualify for lower insurance premiums.
At Top Tier Inspectors, LLC, we take care of the details for you. With your permission, we’ll coordinate directly with your insurance agent to ensure every requirement is met and all necessary photos and documentation are included—saving you time, effort, and stress.
Get peace of mind knowing your home’s key systems are properly documented and insurance-ready.
Book Your Inspection and Let Us Handle the Rest!
Four Point Inspection Criteria
Roof
Home insurance companies typically require the roof to have a minimum of 3-5 years of life expectancy remaining. Any signs of water intrusion (active or past), deterioration of materials and repairs are also noted.
HVAC
The heating, ventilation and air conditioning system should be in good working condition, routinely maintained and have no signs of damage or deterioration to be insurable and receive the best premium.
Electrical
Outdated electrical panels, wiring, receptacles and any other potential safety hazards or improperly installed components can make your home more susceptible to fires.
Plumbing
Home insurance companies want to know if there are any signs of (active or past) leaks. Certain types of plumbing materials, such as corroded cast iron, polybutylene and clay may be considered red flags for insurers.
