There are four essential elements to a home that are often covered in an insurance claim: your electrical, HVAC, water heater tank, and roof. Instead of a thorough review of the whole home, a 4-point inspection only covers the aforementioned elements. This means it’s quicker and less costly than a regular inspection, while still focusing on what your insurer will require.
A 4-point inspection is an examination of a residential or commercial property’s electrical, plumbing, roof, and structural components. This type of inspection is required by most lenders and insurance companies.
Buyers inspect properties because they want to know whether the property meets all the criteria needed to qualify for financing or insurance coverage.
Home sellers should consider having a home inspection performed prior to listing the property for sale. If there are any problems found during the inspection then the seller can negotiate with buyers to lower the price accordingly.
The purpose of a home inspection is to identify defects and repair issues that might otherwise go unnoticed. Some common types of inspections include electrical, plumbing, roof/foundation, heating, air conditioning, ventilation, insulation, appliances, and fire protection.
Florida State Inspectors will look for an aged HVAC system. We will check the ductwork, vents, coils, and air filters. If you are having problems with your heating and cooling system, it might be time to call out a professional. An older system tends to leak more often. Insurers want to know about potential leaks before they make a claim.
Old wiring can cause fires and problems if there are issues with the wires or the insulating material. Homeowners’ insurance companies don’t cover damage caused by old wire unless it’s been replaced or repaired. The entire home needs to be checked before beginning any type of electrical work.
Your home’s plumbing system plays an important role in keeping you comfortable at home. But it doesn’t always perform up to par. If there are problems in the plumbing system, it may cause serious damage to your house. Knowing what to look out for means knowing what to avoid.
Insurance companies want to know the state of your roof before insuring your house. It’s important for homeowners to conduct annual roof inspections. If you don’t have one, it may cost you thousands of dollars later on.
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