Get the Coverage Your Insurer Requires

When an insurance company requests a four point inspection for an older home in Englewood, they are seeking a focused evaluation of the four highest-risk systems: the roof, electrical, plumbing, and HVAC. This inspection helps insurers determine whether a home meets underwriting requirements, and is commonly required for homes over 25 years old or when system upgrades are undocumented.

Blackdog Home Inspections evaluates the condition and approximate age of the roof, checks electrical panels for outdated components, reviews plumbing materials and condition, and assesses heating and cooling systems. The inspection includes a completed form with photos that your insurance carrier uses to assess risk and coverage eligibility.

If you need a four point inspection in Englewood completed quickly, contact Blackdog Home Inspections to schedule your appointment.

The four point inspection evaluates the condition of the roof, electrical system, plumbing, and HVAC. The roof is reviewed for covering type, age, visible damage, and signs of leaks. Electrical components are checked for panel type, wiring materials, and safety concerns, while plumbing is evaluated for pipe materials, leaks, corrosion, and water pressure issues. The HVAC portion focuses on the age, condition, and operation of heating and cooling equipment, with special attention to air conditioning due to Englewood’s climate.

After the inspection, you receive a completed four point form with photos documenting each system. Your insurance company uses this report to determine policy eligibility, renewal, or required repairs. This inspection is limited in scope and does not replace a full home inspection. If issues are identified, repairs and a follow-up inspection may be required before coverage is approved.

Homeowners in Englewood who are required to get a four point inspection often have questions about timing, what the inspector will flag, and what happens if something does not pass.

What happens if one of the systems does not meet insurance standards?

The inspector documents the issue in the report and your insurance company will tell you what needs to be repaired or replaced before they will issue coverage. You can schedule a follow-up inspection once the work is completed.

How long does a four point inspection take?

The inspection typically takes between 45 minutes and one hour depending on the size of your home and the accessibility of the systems being evaluated. You do not need to be present, but access to the attic, electrical panel, water heater, and HVAC unit is required.

Why do insurance companies require this inspection?

Insurers use the four point inspection to assess the condition of the systems most likely to cause claims, such as roof leaks, electrical fires, plumbing failures, and HVAC breakdowns. Older homes present higher risk, so the inspection helps the carrier decide whether to offer coverage.

What if my roof or HVAC system is old but still working?

The inspector will document the age and condition of each system. Some insurers will still provide coverage if the system is functional and well-maintained, while others may require replacement or offer limited coverage until upgrades are made.

When should I schedule the inspection?

You should schedule the inspection as soon as your insurance company requests it, since most carriers require the report before they will bind or renew your policy. Delays can result in a lapse in coverage.

If your insurance carrier in Englewood has asked for a four point inspection and you need it completed to finalize your policy, Blackdog Home Inspections can provide the documentation you need. Contact us to schedule your inspection.