Four Systems. One Comprehensive Report.
Our certified InterNACHI and ASHI inspectors are trained to evaluate the four critical systems that insurance companies and underwriters assess most closely: Electrical, Plumbing, HVAC, and Roof. Each component is inspected against its own specific requirements — evaluating age, condition, and remaining service life.
Whether required for insurance purposes or requested for personal due diligence, a four-point inspection delivers a concise, system-by-system overview of your property's core infrastructure. For homeowners and contractors, a new construction inspection checklist ensures compliance with industry standards. Our detailed reports empower you with a clear understanding of each system's condition and any necessary repairs.
A four-point inspection evaluates the major components of a home. This is not the same as a full home inspection — it's a focused assessment of the systems that matter most to insurers and homebuyers.
Insurance companies will often require this type of inspection for older homes, as their components are more likely to fail than those in newer properties. They generally ask for a four-point inspection if the property is 25 or more years old to assess the current condition of the major systems. Four-point inspections are also commonly needed by insurance companies to obtain or maintain your home insurance policy.
A four-point inspection can also be done for pre-offer scenarios. The client can use this inspection to help identify the condition of the major components before putting an offer on the home — giving you the information you need to negotiate with confidence. The systems that are inspected include:
Before scheduling, please check with your insurance company if something specific is needed in the report. Requirements can vary by carrier and policy type.
The inspector will evaluate your electrical panel, water heater, HVAC system, roof and attic, and foundation in detail. The duration for the on-site portion of a four-point inspection is typically shorter than a full home inspection, as the inspector focuses exclusively on these core systems rather than the entire property.
Each system is assessed independently against its own specific requirements, including age, condition, material type, and code compliance — providing the focused evaluation that insurance underwriters require.
Once the inspector finishes the on-site evaluation, a detailed report will be generated and delivered to you by email. The report provides in-depth insight into the condition of each system inspected. Any defects found at the time of the inspection will be clearly documented within the report. You can preview the format in our sample reports section.
The report may also include recommendations for necessary repairs or maintenance to address any issues identified. Our thorough inspection and testing services are designed to ensure you have a complete understanding of the property's systems — allowing you to make informed decisions and proceed with confidence, whether for insurance compliance or your next real estate move.
A focused evaluation of each critical system, documented in detail.
The inspector will check the age and the condition of the electrical panel, evaluating wiring type, breaker condition, grounding, and overall panel capacity. Any defects found at the time of the inspection — including outdated panels, double-tapped breakers, or improper wiring — will be noted in the report.
The inspector will check the age and the condition of the water heater, including the tank or tankless unit, temperature and pressure relief valve, supply lines, and venting. Any defects found during the inspection — such as corrosion, leaks, or improper installation — will be documented.
The inspector will check the age and the condition of the HVAC system, assessing both heating and cooling components, ductwork accessibility, and thermostat operation. Any defects found during the inspection will be noted. We also check for outdated refrigerants that may no longer be serviceable — a critical factor for older systems.
The inspector will check the roof and foundation from the exterior, noting any visible defects including damaged shingles, improper flashing, settlement cracks, or grading issues. For the interior, we access the attic and basement to evaluate structural framing, insulation, ventilation, and any signs of moisture intrusion or foundation movement.
*Some limitations apply. Contact the office for more details.
