A 4-point residential inspection consist of only the four main components of the house, which are:
The HVAC System. In addition to the condition of the equipment, some insurance companies will deny coverage on homes without central air conditioning and heating.
The Electrical System. The inspection includes the panel, circuit and type of wiring. Faulty wiring is a major cause of house fires.
The Plumbing System. The condition of the pipes and the material from which they’re made are part of a 4-point inspection. Polybutylene pipes are prone to bursting, and although some insurers may provide coverage, it normally will exclude water damage.
The Roof. Most insurance companies won’t insure homes with roofs that are more than 40 years old. Damaged roofs and water leaks are other reasons for denying coverage.
Four-point inspections can be completed in as little as 20 or 30 minutes, whereas a full inspection typically takes two and a half to three hours or more. Not surprisingly, 4-point inspections cost less than full inspections since they take less time to complete.