Four (4) Point Inspection Services
Four Point Inspection Sarasota
A Four (4) Point Inspection is typically required when renewing or acquiring a new homeowner’s insurance policy. The Four (4) Point Inspection requirements will differ based on the insurance carrier. A four-point inspection in Sarasota assesses the 4 primary systems of a home to help insurance companies determine the overall condition of your Sarasota home.
A four-point inspection assesses the four basic systems of a home:
Heating/Air conditioning system (HVAC)
The inspection will help insurance companies estimate the condition, remaining lifespan, and quality of these systems. Although the 4-point inspection in Sarasota is generally limited to a visual assessment, insurance companies are looking to identify any problems or concerning issues regarding the main four systems.
Before issuing or renewing a home insurance policy, an insurance company will want to better understand the condition of your Sarasota home or property.
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Sarasota Four-Point Inspection Requirements
- The property or home is over 30 years old (New business only).
- Nearby sinkhole activity, investigation, or knowledge of repairs, whether Sinkhole Loss Coverage is requested or not (does not apply to mobile homes).
- Sinkhole loss/repair documentation is incomplete or unavailable.
- The prior coverage was lender-placed
• A general, residential, or building contractor
• A building code inspector
• A home inspector
Frequently Asked Questions
What is Included in a 4-Point inspection in Sarasota?
A home inspector completing a 4-point inspection in Sarasota will assess the condition of a home’s major systems or components to meet the requirements of your home insurance provider. During the ins[ection, the inspector will be able to identify any conditions or concerns about the four systems that may hinder your ability to acquire a home insurance policy.
Most insurance companies require the roof to have at least an additional 3-5 years of life expectancy remaining. Indications of roof damage, including leaks, repairs, or deteriorated materials, are noted within the report.
Electrical System Inspection
Home insurance companies want to understand the condition and specifics of a home’s electrical system, including the wiring, electrical panel, circuit breakers, and condition of mast.
HVAC Inspection (Heating, Ventilation, and Air Conditioning)
A four-point inspection will assess the condition, make, model, and year of exterior and interior air conditioning or heating units.
Some types of plumbing materials may be considered red flags by insurance agencies—materials such as deteriorated cast iron and polybutylene. Plumbing supply lines, fixtures, and any visible leaks are also reported within the Sarasota four-point inspection report.