If your home is 25-years-old or older it’s time for a Four Point Inspection to assure that your home is safe and working properly. The Four Point Inspection and subsequent report focuses on the condition and age of four main elements of a home: HVAC (Heating, Ventilation and Air Conditioning), Electrical, Plumbing and Roof.
Plus, if home systems are better than expected, your insurance rates should fall. Sometimes, dramatically. Generally, here’s what we’re looking at for each portion of the inspection:
1) HVAC
- Number of Systems
- Type , Size and Installation Date of System(s)
- Condition of System(s)
2) Electrical wiring and panels
- Main Service
- Wire Types Service Entrance
- Branch Wiring
- Type of Load Distribution Panel (Fuses or Breakers)
- Overall Conditions
- Applicable National Electric Code safety issues
- Description of safety violations needing correction
3) Plumbing connections and fixtures
- Visible Plumbing Components – Type of Material and Condition of Plumbing Components
- Main Waste Lines & Vents
- Main Supply Lines
- Fixture Supply Lines
- Fixture Drain Lines
- Modifications to Original Piping/Fixtures
4) Roof
- Shape
- Type of coverings and age of materials
- Type of Sheathing
- Roof Wall Connections
- Evidence of Active Leaks
- Remaining Life Expectancy
The common concern of the insurance companies is that there may be conditions in an older home that could become a liability to them. For instance: a roof nearing the end of its reliable service life may fail while under the policy and the homeowner may seek reimbursement for damages to the home or its contents. Similar concerns reach to the condition of the HVAC, electrical and plumbing. The insurers want documentation that they are not in poor condition, in need of being updated or replaced or improperly installed. Otherwise, the concern is they may fail and cause fire or water damage to a home. If you’re “shopping” insurance and submitting the report to multiple insurance companies, you’ll need multiple forms. While many of our competitors charge for the extra inspections (even though they are similar) Buy Your Side Home Inspection uses a single form that works for ALL insurance companies in Florida. We only charge you for one inspection, and we document everything! We’ll also teach you how to keep your home working properly so that your rates continue to drop and tell you how to make repairs in such a way that you gain the most discounts possible on your insurance. To schedule a Four Points Inspection to get more information, call us today! 407.780.0911
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