Four Point Inspection - What is a Four Point Inspection?
This is an inspection of the four major components of your home; Electrical, Plumbing, HVAC & Roof. The primary purpose of this inspection is to determine the age of these components, evaluate the operating condition, and look for safety issues.
The intent of the inspection is to lower the potential risk in insuring your home, which also helps to insure you will not be inconvenienced by component failures, and helps provide the occupants with a safeenvironment.
This inspection normally only takes between 30 and 45 minutes. Access to the inside of the house is required to evaluate these items. Exterior photos of all sides of the home are taken. The roof is inspected and evaluated for estimated remaining life. The electrical panel cover will be removed and re-installed for this inspection. The other components are photographed including the manufactures identification labels.
Currently Citizens Insurance is requiring this inspection on all new policies when the home is 30 years old and older. It is possible that some homes 30 years and older will be required to have this inspection completed at the renewal date, however; this is currently at the discretion of the underwriter.
This inspection may be substituted in place of a Citizens Roof Certification Form.
Roof Certification - What is a Roof Certification?
This inspection is to determine the condition of the roof. The type of roof covering is identified, and the age of the roof is indicated. This information is typically determined by accessing county building permit records to determine the Roof Permit date. If no permit is found, the inspector makes a determination of the age based upon several factors. The type of roof, condition, age of the home, and other considerations, that can be used to determine the age.
The inspection is also to identify if there are any visible signs of damage/detritions such as curling, lifted, loose, or missing shingles or tiles, sagging or uneven roof deck, etc. and if there are any visible signs of leaks. The Roof Certifications also list the approximate remaining useful life of the roof.
This inspection is typically required on new policies and on roofs that are near or over 25 years of age. Sometimes they are requested just to verify the age of the roof and it's condition when appropriate documentation is not available.
This inspection usually only takes between 20 and 30 minutes. Photos of all sides of the home are included, along with at least three photos of the roof.
If you have any questions about these inspections, please feel free to call us, and we will be happy to discuss any aspect of these inspections in detail!
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