4-Point Inspections

Insurance Liability (4-Point) Home Inspections

An Insurance Hazard, or 4-Point Inspection will identify both major and minor hazards that may have a negative impact on your homeowners insurance. Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more). The insurance companies common concern is that there may be conditions in an older home that could become a liability to them. Unresolved issues can result in increases in cost for your homeowners insurance, or potential cancellation. Resolving these hazards may lower your insurance premiums, saving you money in the long run.

For example; a home with a roof that is 20 years old may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns apply to the condition of the HVAC, electrical and plumbing systems in an older home. If these elements are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.

Professionally Trained & Certified

AHIT is one of the largest home inspection training institutes in the United States. They are approved and accredited by the American Society of Home Inspectors (ASHI), the International Association of Certified Home Inspectors (InterNACHI), and many other professional organizations.

As an AHIT-trained and certified home inspector, we ensure you receive the best possible home inspection and professional report. We strive to put our clients first and protect their rights as consumers. We are ready to put our experience and knowledge to work for you and your family’s safety.

Detailed Inspection Reports

Buying a property can be a stressful experience, so be sure to choose someone who has your best interest in mind and can provide you with the information needed to make the best decision. Each residential inspection is documented in a detailed inspection report. The report covers the condition of the home’s heating system, central air conditioning system, interior plumbing system, electrical system, roof, attic, and visible insulation; walls, ceilings, floors, windows, and doors; the foundation, basement, and all structural components. A thorough home inspection can save you thousands of dollars in unexpected repairs when buying a house. Be Advised, Not Surprised!