When it comes to technology, we all know that as time passes devices become obsolete. For example, when you go to your local cell phone company for a new phone, you ask for one of the latest versions, correct? You would never consider asking for a phone from 1999 because what it offers would not function properly in today’s culture. This same rule applies to many of the core components of your home. While older hardware may have been fine 10 or 20 years ago, as time passes it to becomes obsolete.
For this reason, insurance companies will often require home owners to have a 4-point inspection on any older home that they are wanting to insure. Usually, this requirement is for homes 30 years or older but, depending on the insurance company and other factors the home may have experienced (such as storms), the insurance company may require these on younger homes also.
This inspection differs from a full residential inspection (which is often ordered when a new home is purchased) because it focuses on the plumbing, HVAC, electric, and roof of a home and determines the age and condition of each. It does not look at other areas of the home, such as windows, doors, and walls. An inspector uses significant training, skill, and time to focus on these four things in detail and report their condition to yourself and your insurance company (pictures are included).
When ordering home inspections, it is important to keep in mind that a 4-point inspection is usually for insurance purposes. It communicates to your insurance company either that, while the home and appliances may be dated, they are still in good working condition or proves that there have been significant updates on your home. As a result of updates and care a 4-point inspection can result in saving you significant money on your insurance premium.
Beyond insurance purposes we also have had clients request 4-point inspections specifically for added peace of mind. They understand the detail and work that goes into this extra inspection and report and have found value in the extra knowledge.
We hope that as you prepare to purchase your home and dive into the exciting (and often confusing) world of home inspections this information brings more clarity for what you will need to order. Remember, everything has its expiration date and you want to make sure that the key components of your dream home are not past theirs.
written by M. Hotchkin, Manager
Kelting Home Inspections & Services, LLC
PO Box 510058
Punta Gorda, FL 33951
Wesley Bulifant, Owner & Inspector
Florida Licensed Home Inspector & Mold Assessor
License HI7956 & MRSA2484
Copyright. 2018 Wesley Bulifant- Kelting Home Inspections & Services LLC. All Rights Reserved. “It is important to remember that no two inspections are the same. A home inspection is a snapshot in time and reports of the current conditions of the home. Our inspections are all performed in accordance with the InterNACHI Standards of Practice and without any personal interests of any party. An updated inspection should be considered”