4-Point Inspections in Coral Springs, Fort Lauderdale, Broward County
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Do I Need a 4-Point Inspection?
When purchasing a home, a 4-Point inspection is usually needed in order to get a new homeowners insurance policy. Also, if you are shopping for a new policy, insurance companies usually ask for a 4-Point Report. This is usually if your home is 20 years old or more, but some insurance companies want it on newer homes.
What is a 4-Point Inspection?
A 4-Point Inspection is a brief summary of the 4 main systems: electrical, air conditioning, roof, and plumbing. Insurance companies are trying to minimize their risk by making sure your systems are in working order and not too old and about to fail.
Insurance companies are especially concerned with the age of roofs. Some insurance companies don’t want to give you coverage if your roof is more than 10 years old; some will allow 15 years, and some will go longer. It depends on what type of roof you have. They are also looking to see how many years of life an inspector is predicting for the roof. Insurance companies usually want to see that the roof has 4 or 5 years of life before they will bind insurance, although Citizens are content with three years.
Do You Have a Failed 4-Point Inspection?
If you failed your 4-Point Inspection, you would have to fix those items in order to get your insurance coverage bound. This could be something as simple as a doubled-tapped electrical connection in your electrical panel or a leaking valve. Take a look at your Four Point Inspection Report and see what was marked as “unsatisfactory.” You may need to replace an unreliable electrical panel. It could also be something major like an old roof. Even if your roof looks okay and is not leaking, the insurance company may not want to take the risk. In this case, you need to shop around or be able to provide a Four Point Report or Roof Certification stating that the roof has 3, 4, or 5 years remaining life.
Does a 4-Point Report Give Me Insurance Discounts?
Strictly speaking, it does not; however, an older roof or old plumbing may limit your choice of insurance carriers. Some carriers will charge a higher premium if they consider you a higher risk.
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Schedule your 4-Point Inspection in Coral Springs or anywhere in Broward or Boca Raton today!
The 4-Point Inspection offers a limited scope evaluation of these four systems:
Heating – Air Conditioning
The 4-point inspection is performed in order to check the components, age, and overall condition of these four systems for the benefit of the insurance company. This type of inspection is different than a “general home inspection” which is more thorough in breadth and scope.
HVAC (Heat, Ventilation & Air Conditioning)
The inspection and report describe the condition and age of these elements.
Why do I need a 4-point inspection?
On older homes in Coral Springs, Fort Lauderdale, and other parts of Florida, insurance companies are naturally more concerned about risk. For example, a home with a roof nearing the end of its reliable service life may fail while under the policy, and the homeowner may make a claim on their insurance company for damages to the home or its contents. Similar concerns extend to the condition of the air conditioner and electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced, or were improperly installed, they may fail and cause a fire or water damage to a home. It is really important to know the age and condition of the roof as insurance companies have their own ideas of how long a roof should last, and most want to see that it has at least 3-5 years of life left in order to give you insurance coverage. We also recommend you get a Wind Mitigation Inspection which looks at many different aspects of the home to see how well it will withstand a hurricane and can give you big discounts on your wind insurance.
This company is AMAZING! I called for an inspection of my home and scheduled an appointment. A gentleman named Mike arrived promptly..He was friendly, smiling, polite and professional. He answered all of my questions. He did a super thorough job taking the time to explain along the way. My report was emailed to me the following day. Gorgeous report it is, too. My insurance company was happy for the details and I firmly believe that the quality of the service they provided and the attention to detail in my report helped to lower my insurance premium. Thank you all so much! I will recommend this company to EVERYONE I know. Fantastic job- well done!!!! A+++++++ – Review of Wise Home Inspections By Alicia Mulligan
Can I Use My Home Inspection Report for this?
Insurance companies have very specific questions and reporting requirements, so 4-Point Inspections need to be completed separately and completed by a person qualified to do so. We use the Citizens 4-Point Inspection form, which satisfies most insurance companies.
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Schedule Your Home Inspection or call/text (954) 608-3366
We do 4-Point and Wind Mitigation inspections in Boca Raton, Coral Springs, Coconut Creek, Cooper City, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hollywood, Lauderdale Lakes, Lauderhill, Margate, Miramar, North Lauderdale, Oakland Park, Pompano Beach, Parkland, Pembroke Pines, Plantation, Sunrise, Tamarac, Weston, Wilton Manors and surrounding areas.
Certified and Licensed Professionals
In general, the insurance company will mandate that the inspections be completed by a qualified and licensed individual. Every one of our 4-point home inspections is carried out by a Home Inspector who is licensed by the State of Florida. Schedule your 4-Point Inspection Today!
There are quite a few different insurance companies, and while each may have slightly different requirements of what they want, we have found that the Citizens 4-Point Form is what most insurance companies are looking for. In terms of what each will accept in terms of age and condition, that is more likely to vary. We can tell you what most companies will want to be corrected, but you should always consult directly with your insurance company to see what corrections, if any, they may want to be made. Send your Four Point Report to your insurance agent as soon as you receive it so they can tell you.
Coral Springs, FL, was originally developed as a master-planned community; the city was incorporated in 1963 and has since grown to be one of the largest cities in Broward County, Florida. Coral Springs is known for its family-friendly environment, top-rated schools, and beautiful homes.
If you are considering buying a home in Coral Springs, the team of professionals at Wise Home Inspections will help ensure that your dream home is in good condition. The inspectors at Wise Home Inspections are trained to look for any potential issues with the property that could cause problems in the future. We will also provide you with a report detailing any problems they find so that you can make an informed decision about whether or not to proceed with the purchase.
If you are in the market for a new home, contact a Wise Home Inspections professional at (954) 608-3366 to schedule an inspection or book online through our website. We will give you the peace of mind you need and deserve to protect your priced investment – your home.