What you Need to Know about 4-Point Inspections in North Texas

If you are a homeowner in North Texas — particularly in areas like Dallas, Fort Worth, Denton or Collin counties — you may encounter the term “4-point inspection” when seeking or renewing your homeowners insurance. These inspections are increasingly required by insurance carriers, especially for homes over 25 years old. Insurance companies use these inspections to assess the condition of key systems in your home and determine insurability.

What is a 4-Point Inspection?

A 4-point inspection is a focused evaluation of four critical systems in your home:

1. Roof: Inspectors asses the age, material and condition of your roof, checking for signs of damage or leaks. Insurance companies often have age limits for roofs–typically not insuring shingle roofs over 20 years old or tile/metal roofs over 40 years old.
2. Electrical System: The inspection covers the type of wiring, condition of the electrical panel and overall safety. Homes with outdated or hazardous wiring may be deemed uninsurable due to fire risks.
3. Plumbing System: Inspectors examine the type and condition of pipes, fixtures and water heaters. Certain materials are prone to failure and can lead to denied coverage or exclusions for water damage.
4. HVAC System: The heating, ventilation, and air conditioning systems are evaluated for age, functionality and maintenance.

Unlike comprehensive home inspections, which assess the entire home, a 4-point inspection is limited to these four systems and is mostly for insurance underwriting purposes.

Why do Insurance Companies Require 4-Point Inspections?

Insurance companies use 4-point inspections in order to assess the risk associated with insuring older homes. This is the reason for focusing on the systems that are most likely to cause significant claims. A 4-point inspection can help them make an informed decision regarding coverage eligibility and premiums.

Tips for Homeowners in North Texas

1. Proactive Maintenance: Regularly inspect and maintain your home’s key systems to prevent issues that could affect insurability.
2. Documentation: Keep records of repairs and upgrades, especially for roofing, electrical, plumbing and HVAC systems.
3. Consult Professionals: If your home is approaching 25 years of age, consider a preemptive 4-point inspection to identify and address potential issues before they affect your insurance.

Cornerstone Property Inspection Offers 4-Point Inspections

If you are in need of a 4-point Inspection, Cornerstone Property Inspection is here to help. Our experienced team provides thorough, fast-turnaround 4-point inspections that meet all major insurance carrier requirements. Whether you are buying an older home, renewing your policy or switching providers, we will give you the documentation you need– and the insight to make informed decisions.

Based in Collin County, we serve the greater North Texas region including, Dallas, Frisco, McKinney, Plano and surrounding areas.

Let us help you stay insured and protected. Schedule your 4-point inspection today!