Tampa Home Inspector
4 Point Inspection
A 4 point inspection only focuses on four main areas of interest in a home. These are:
- HVAC [Heating, Ventilation and Air Conditioning]
- Electrical wiring and panels
In Tampa, Florida, a 4 Point Inspection may be required by your insurance company before issuing a new policy or renewing an existing one for homes that are over 25 years old. This is because the older the house gets, the higher its risk. Elements in poor condition may cause fire or water damage to a home if they were not updated, replaced or properly installed. Insurance companies are wear of these and are many times reluctant to issue Homeowner Insurance Policies on older homes, which could become a liability for them. For example, if the roof of the house is nearing the end of its reliable life, it may fail and the owner may seek reimbursement from the insurance company for damages to the home or its contents. Newer homes are assumed to have fewer and less frequent problems than older homes.
Who carries out the 4 Point Inspection
This home inspection is usually carried our by a local inspection company, though some insurance companies provide their own inspection form to be used. This is not a problem though because most insurance companies accept forms filled out by local inspection companies provided that they are qualified. Insurance companies will normally insist that the form is filled out by a licences Professional Engineer, Electrician, General or Roofing Contractor. The owner of the home does not have to be present during the inspection but a representative over the age of 18 must be present to allow access. The inspection only takes between 30 minutes to 1 hour to conduct.
Tampa Florida Home Inspector provides a 4 point inspection form which you can easily download. Be sure to check with your insurance provider if our 4 point inspection form will suffice, otherwise, you may end up incurring additional charges if we have to use their form.
Can you use a Home Inspection Report instead of getting a 4 Point Inspection Report?
If you have already had a Home inspection done in your home, you may assume that you can use the same report for insurance. However, Insurance companies do not want to go through a whole report which is long. A 4 Point Inspection Report is usually 1 or 2-pages long and summaries exactly what the insurance company needs.