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Insurance companies sometimes require a 4-point home inspection, especially for older homes, in order to qualify for homeowners insurance. The 4-point inspection is limited to the visual components of the following systems:
These four systems are the most likely to result in an insurance claim, so the insurance company wants to make sure they are in reasonably good condition. Specifically, the insurance company will look at the age and overall condition of the components and whether or not any repairs were done professionally. If there are deficiencies, then you might have to correct them in order to qualify for, or maintain, your insurance policy.
A 4-point home inspection is much less comprehensive than the standard home inspection that you would get before purchasing a home. The inspection typically takes between 30 minutes to one hour. After the inspection, I will provide you with a short report that you can submit to your insurance company.
Inside Out Home Inspector provides 4-point home inspections in Central Maryland including Howard County, Montgomery County, Prince George's County, Anne Arundel County, Baltimore County, Carroll County, Frederick County, Columbia, Laurel, Annapolis, Glen Burnie, Bowie, Sykesville, Eldersburg, Silver Spring, Crofton, Gambrills, and Clarksville. Not sure if that's you? Give me a call at (443) 559-7028 or send me an email.