What is a 4 Point INspection?

Before I get into the differences between a 4 point inspection and a buyers inspection, we should first define them.

Four point inspections are the tools that insurance underwriters use to determine risk. As you might have guessed, there are 4 main things that are being examined during a 4 point inspection: 1) Electrical, 2) Plumbing, 3) Roof and Structure, and 4) HVAC.

A home inspector has the option to list the age, overall condition, material, and basic type for each of these categories. There is no option for the inspector to add information about the house (such as mitigating circumstances), as the underwriters just want to know if the house has any features that have been known to increase risk.