How To Pass a Four Point Inspection
What you Need to Know
Your Guide on How to Pass a Four Point Inspection in Florida
Whether you are navigating the home inspection process or an existing homeowner, one of the most important inspection reports is the Four Point Inspection report.
But relax! The journey is simpler than most anticipate, and we’re here to guide you step-by-step.
Understanding The Four Point Inspection
A Four Point Inspection zeroes in on the primary systems of your dwelling: the roof, electrical, plumbing, and HVAC. Aimed at providing insurance companies a clear picture of your home’s health, this quick assessment can significantly impact your policy’s terms and cost
Benefits That Make the Effort Worthwhile:
The rewards of passing your Four Point Inspection are twofold. Not only does it spotlight potential hazards, ensuring your property’s safety, but a positive result can also be a ticket to more favorable insurance premiums and even the difference between securing coverage or facing a denial.
Use our free Four Point Checklist to help you prepare for your inspection.
What Are Common Defects Found During a 4-Point?
See below for a few common defects found during a 4-Point Inspection
Common Issues and Pro Tips
Electrical Insights
Issues to Watch: Common electrical defects include Double Tapped Breakers, Double Lugged Neutrals, and Open Knockouts.
Pro Tips: Guard against exposed wires by ensuring they end in junction boxes. Functional GFCI receptacles are a must, especially around wet areas like sinks, bathtubs, and pools. Spot an open slot in your panel? Simple filler plates are your best friends here.
Plumbing Pointers
Issues to Watch: The frequent culprits in plumbing failures are Polybutylene Pipes, corroded water heaters, and leaks under sinks or toilets.
Pro Tips: Regularly check for leaks throughout your property. If your water heater’s age is pushing two decades, a replacement might be a wise investment.
Roof Recommendations
Issues to Watch: In the Sunshine State, insurance providers often have a sharp eye for roof defects and require a clear forecast of its remaining lifespan.
Pro Tips: Vigilance is key. Ensure no missing or damaged shingles/tiles. Using roof sealant on exposed nail heads can prevent unwanted leaks.
HVAC Hints
Issues to Watch: The prime concern here is straightforward: a non-functioning HVAC system.
Pro Tips: Annual servicing of your HVAC system is a small step with big returns. Keep it running smoothly, and remember to switch out filters periodically for optimal performance.
Remember... We're Here To Help
Passing a four-point inspection is crucial for property owners in Florida. It ensures that your property is safe, and you can obtain the best insurance rates or renew insurance coverage. However, there are times when your inspector will have to deliver the news that there are defects present that will need to be repaired in order to pass the four point inspection.
Remember! Your inspector is an excellent source of information and referrals on how to best address the issues discovered during the inspection and they should be able to provide excellent recommendations for reputable contractors to conduct the necessary repairs. This will ensure your home is, first and foremost, safe but also capable of passing the four-point inspection.