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Have The Combined Knowledge Of Over 56 Years In The Commercial & Residential Construction Fields.
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Our 4-Point Reports Have Been Quoted
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By There Company!
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Reports Have 24hr Turnaround Time Within Normal Business Days From Time Of Initial Inspections Completion & Are Generally
Delivered Between 10 & 12 pm The Next Business Day.
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What Is a Four Point Inspection?
A Four Point Insurance Inspection is a non-invasive, limited observation/inspection of the buildings main four systems which include the HVAC System, plumbing systems exposures, electrical system and the roof cover. The inspection was implemented to aid in assessing the amount of "risk" a home has based on how old certain systems are, what the probable life expectancies they have based on the quality of the material, the known deficiencies of the material and the averaged life of the material etcetera. By obtaining a proper four point insurance inspection, an insurance company can more accurately assess whether or not the risk is worth insuring. Typically, the four point was only required for homes over 50 years old but over the years, the four point inspection has taken on a life of its own and is now required for some homes as new as 30 years old.
A Four Point Insurance Inspection of these systems is limited to a "representative" area of the systems. For example, the electrical system is checked by reviewing a representative amount of outlets, observation of the service masts if any, the service panel etc. The representative locations randomly selected by the inspector acts as a reflection of these systems overall conditions. If you pass a 4-point inspection, it does NOT imply there is nothing wrong with these systems, every system within the 4, have a plethora of materials, components and substrates unseen and untestable within the limitations of these inspections. Hvac systems are tested unless already running and depending on the temperature to the exterior of the homes envelope as some components can be damaged if tested at certain temperatures etc. The hvac systems are not checked as to the internal workings of the air handler and the cleanliness of the unit and ducting etcetera. For roofing systems, an inspection of the roof cover and its exterior exposures i.e. the fascia, soffit, drip flashing is performed where accessible. These insurance inspections are limited and do not require attic system access. The interiors are reviewed during the inspection of the other system components but does not certify or warranty any part of the roofing/ceiling systems. Roof joists, web bracing and truss rafter spans, insulation, ceiling fasteners/substrates etcetera, are not reviewed as might be with a home inspection. Plumbing is inspected at all or a representative number of fixtures, observance of other plumbing exposures readily available and chosen for review by the inspector. It does not certify, express or implied, any component therein as to the useability, efficiency, potable water quality etcetera. It is very important to understand the limitations to these inspections. They are not structural or full home inspection reviews of the systems. To reflect more thoroughly on these and the other systems of the home, a full home inspection would be recommended.
A life expectancy for the purpose of a 4-point inspection is an estimation of how long a system has before major or minor falts may begin to occur or become more progressive. A life expectancy is NOT a warranty or certification of life left for any system. It is an estimate based on a plethora of variables, many of which may not be accessible and thus, the life expectancy would then be potentially lesser than that assessed should unseen variables be in lesser than expected condition.
Please Excuse The Absence Of Any Material Information Expected To Be Here As This Area Is Under Construction.
Serving West Central Florida | Pinellas/Pasco: 727-550-2074 | Hillsborough: 813-406-4904 | Fax: 727-498-7512
**All Information Provided On This Site/Page Is Subject To Change Without Limitation.. Additional inspections or non residential 4 point are subject to additional or normal rates. First quality Inspections LLC holds the right to change any/all information and subject material provided as well as any inspections special promotions without notice.