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4 Point Inspections for Homeowners Insurance: What to Confirm
Confirm your insurer’s current 4 Point Inspection requirements, prepare system records and understand the report’s purpose before booking.
Quick recap
- A 4 Point report gives the insurer information about the roof, electrical, plumbing and HVAC systems.
- Confirm the current required form, deadline and property-specific quote instead of relying on an old price range or general age threshold.
- Coverage decisions remain with the carrier. Ask separately about Wind Mitigation documentation and a broader Pre-Purchase Inspection when buying the home.
If your insurance agent asks for a 4 Point Inspection, request the exact form and deadline before you schedule. The report documents roof, electrical, plumbing and HVAC information for the insurer. It is different from a broader Pre-Purchase Inspection and does not itself determine whether the carrier will offer coverage.
Confirm the requirement for this property
Carrier rules can change and vary by policy. Do not rely on a general age threshold, an old blog article or the form used by a previous owner. Send the current request to the inspection team so the appointment can be arranged around the necessary information.
Gather available roof-replacement and system-repair records. Arrange access to relevant equipment and let the team know about anything that is shut down or inaccessible. Repairs and utility changes should be handled by the appropriate person, not improvised to obtain a more favorable report.
Review price and follow-up separately
Ask for a property-specific quote and confirm which reports it includes. If you also need Wind Mitigation or a purchasing inspection, discuss those services together so the scope is clear. A published price range from another year is not a current DAMNGOOD quote.
When the insurer reviews the report, it may ask for more documentation or repairs. Obtain the request in writing and ask what evidence it will accept. No particular discount or approval should be assumed from a satisfactory inspection.
Compare Pre-Purchase, 4 Point and Wind Mitigation reports, then review booking options. For current insurer-specific guidance, start with your agent and the carrier's published requirements, such as the Citizens inspection information.