Expert Civil, Structural and Environmental Engineers in Brandon, FL

If you own an older house and want to renew your homeowner's insurance, you will almost certainly need to complete a four-point inspection. Every insurance agency has its method of doing it. There are specific guidelines for conducting these inspections. However, agencies don't have to abide but those guidelines. Every agency has the right to conduct a four-point inspection in any way they deem appropriate. With that said, if you are wondering when you do need a four-point inspection, we are going to tell you all you need to know. What Does a Four-point Examination Entail? Before granting a homeowner's insurance, most insurance companies demand a four-point inspection. The inspection allows the insurer to obtain a professional opinion that is not biased regarding the condition of the house. It also gives the insurer a better understanding of the risks associated with the property they will be responsible for insuring. Insurance companies act in this manner because of the possibility that particular housing conditions will result in a claim in the future. Because of this, they rely on a four-point inspection to guarantee that the house is in satisfactory condition for insurance purposes. In many modern homes, it is not necessary. Still, it may be required for older homes because they are more likely to be in a state of disrepair or to have undergone renovations that do not adhere to the necessary building standards. The Elements of a Four-Point Inspection 1.