4-Point Insurance Inspections

What is an insurance letter, also sometimes known as a 4-point inspection or 4-point letter? This type of inspection covers the following 4 areas:

• Roof
• Plumbing
• Electrical
• Heating and Air Conditioning

If you need an insurance letter, First Choice Building Inspections can help!

From our experience, insurance companies are typically looking to see if these 4 areas of the home are in good condition, or in the case of some older homes, if these areas have been updated recently.

There is currently no standard in the insurance industry for this type of inspection, the resulting report, and who should perform the inspection. Some companies ask that their specific form be used, and some companies ask that a person with a particular state license sign the form with their licence number. Still other companies don't have any requirements.

If you need an insurance letter,
please ask the following three (3) questions of your insurance company:

1. Do you require a specific form be used for this inspection?
Here at First Choice Building Inspections, we use an insurance inspection form that is generally accepted in most cases. However, if your insurance company requires that a special form be used, we will be happy to fill out that form in addition to our 4 point inspection form.

2. Do you require a tradesperson with a specific state license sign the inspection report?
We do not hold licenses in any of the specific trade fields. Sometimes the insurance company will accept other trade organization memberships or professional designations in liew of specific licenses. Please let us know when you contact us.

3. Do you require photographs?
Our standard 4-point inspection comes complete with digital photographs of the property.

Other common questions about 4-point inspections:

Can I use this type of inspection as a less expensive pre-purchase inspection?
No. This type of inspection is not intended for use as a pre-sale or pre-purchase inspection, and will never replace a comprehensive inspection performed by an NAHI/FABI qualified inspector. A 4-point inspection is specifically geared for your insurance needs, and will not contain the type of information you need to make an informed decision for purchase.

Will you guarantee that the insurance letter you provide will allow me to be approved for insurance?
Unfortunately, we are not an insurance company, nor are we employed by one. As such, we do not know what any insurance company really needs or wants. We will provide an accurate and thorough evaluation of the four systems in the 4-point inspection. If you have a problem with your insurance coverage as a result of our 4-point report, please call us, but we cannot guarantee that the report will allow you to be approved for insurance coverage by your insurance company.