There are varying types of inspections in differing parts of the country. Here in Florida A Four Point Inspection is often requested by insurance companies prior to binding a home with an insurance policy.
A Four Point Home Inspection is generally done by Home Inspector who is licensed in the state of Florida to inspect the roof, the electrical system, the plumbing system and the HVAC (Heating, Ventilation and Air Conditioning system. The different systems on a home have a varying but somewhat predictable life span. Most of the information gathered during a Four Point Home Inspection pertains to just that. However, the information is not just to give you an estimate to the life expectancy of the systems in the home. Other items are also considered such as the type of wiring used and whether the systems are up to standards in the way that they were installed in the home. A Four Point Home Inspection will also look for signs of equipment or system failures.
A good Four Point Home Inspection will help you, the homeowner, know what areas need to be rectified.
A Four Point Home Inspection is often provided at the same time as a pre-purchase comprehensive Home Inspection. The big difference is that you give the Four Point Home Inspection report to your insurance company. You keep the comprehensive Home Inspection for yourself. The Four Point Home Inspection is only for the use of your insurance company in order to write up your home property insurance policy. Having a Four Point Home Inspection
in no way guarantees you the certainty that your insurance company will write a policy for you, but it is often a requirement and something that you insurance agent will ask you for.
If you have any other questions about the Four Point Home Inspection,do not hesitate to call me, I am happy to answer all of your questions.
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