KNOW THE HOME. PLAN YOUR NEXT STEP.
12 issues a 4 Point Inspection may document
Understand roof, electrical, plumbing and HVAC findings that may need follow-up during insurance review, without treating every issue as an automatic rejection.
Quick recap
- A 4 Point Inspection may document roof damage, visible leaks, electrical concerns, plumbing information or HVAC operation issues.
- Missing age or repair records can also leave questions that need documentation; these examples are not automatic reasons for policy rejection.
- Confirm the insurer's current form and ask what follow-up evidence it needs. The report's insurance purpose differs from a broader buying inspection.
A 4 Point Inspection records specified information about the home’s roof, electrical, plumbing and HVAC systems. The following are examples of information or conditions that may need attention. They are not a ranking of defects in Damngood’s inspections and do not predict an insurer’s decision.
- 1. Roof age that cannot be supported by available records.
- 2. Damaged or missing roof-covering materials.
- 3. Visible evidence of a roof leak or water intrusion.
- 4. Electrical panel conditions that warrant an electrician’s evaluation.
- 5. Exposed, damaged or otherwise concerning visible wiring.
- 6. Missing information about electrical updates or equipment.
- 7. Plumbing materials that need clear identification and documentation.
- 8. Visible plumbing leaks or signs of prior leakage.
- 9. Water-heater condition concerns or incomplete age information.
- 10. Heating or cooling equipment that is not operating when inspected.
- 11. Visible moisture or leakage associated with HVAC equipment.
- 12. Unclear repair history that prevents a straightforward description of a system’s condition.
What happens if the report includes a concern?
Ask your insurance agent what the insurer needs next. That could be a contractor evaluation, repair documentation, additional photographs or a follow-up inspection. A pipe material, equipment age or maintenance item should not be treated as an automatic policy rejection without the insurer’s review.
Use the correct form
Forms change. Citizens revised its roof and 4 Point forms in 2025; other insurers may have their own instructions. Confirm the form required for your application when you book. A 4 Point report has a defined insurance purpose and should not stand in for a broader Pre-Purchase Inspection.