Blue Ocean Home Inspector

A four point insurance inspection is specific to insurance companies to determine if the home has four main systems in good working order before they will bind a policy on a given structure. Many insurance companies are hesitant to bind coverage on older homes, 20+ years or older, due to the fact many of the main systems are at or near their serviceable limit. For Example, if a home is 20 years old and still has the original roof, odds are that the roof has substantial wear and is near or beyond its serviceable life. Conversely, they also want to know if any of the four services have been updated. An insurance company wants to know if it will be on the line for potential repairs in the immediate future based on the condition of the current four systems.