Southland Home Inspections offer 4 point home inspection for older homes in Ocala, Florida and the surrounding areas, those twenty-five years old or more, may have problems providing liability for home insurance companies. For example, an old plumbing system may fail, causing water damage to a home. Electrical systems, HVAC, plumbing, and roofs are expensive to replace, repair, and update. To avoid potential problems, insurance companies require what is known as a 4-point Home Inspection.
The Areas Covered in a Four-Point Inspection in Ocala FL
An Ocala 4-Point Inspection by Southland Home Inspections focuses on four main areas, describing the age and condition of:
- HVAC (Heating, Ventilation, and Air Conditioning)
- Identification of the date of installation
- Expected life of the unit(s)
- Any current problems
- Electrical System
- Information about the size of the main service
- Any dangerous wiring
- Details of upgrades
- Additional possible information, such as the maker of the electric panel and the existence of any unsafe aluminum wiring.
- The kind of connections and fixtures used (plastic, copper, etc.)
- Date of any system upgrades
- Water heater information – possible flaws or leaks
- Approximate year of necessary replacement
All of the information is provided in a short one or two-page signed document.
The Reason for a 4-Point Inspection in Ocala Florida
The purpose of the 4-Point Inspection is to determine if a home is eligible for coverage under an insurance company’s underwriting guidelines. Older homes used those materials and construction techniques available at the time of their construction, many of which have been phased out. Additionally, electrical and plumbing systems, roofs, and HVAC equipment do not last forever. Insurance companies wish to limit their liability on the homes they insure.
Insurance companies want to know two basic types of information.
#1 The condition of the system:
- New, used, in good condition?
- Any evidence of previous repairs?
- Professionally installed and repaired?
If any damage or deficiencies are noted, they may need to be corrected in order to insure the property.
#2 The age of the components
Insurance companies underwriting guidelines have maximum ages allowed for components and an older home may not meet their requirements.
Contact Southland Home Inspections for Your 4-Point Home Inspection
A 4-point home inspection provides the specific information insurance companies are looking for, and a regular home inspection is too long and detailed. Buyers, sellers, and real estate agents should contact the insurance company to see if a 4-point Inspection is needed. Even if one is not required, some companies provide discounts if a 4-Point Inspection is provided.
If you need a 4-point Inspection in Ocala or the surrounding area, contact Mark Barone a professional Ocala home inspector with Southland Home Inspections. We are available to answer your questions and explain in detail why a Four Point Inspection is necessary and what it covers. Call us today.