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4-Point Inspection in New Castle, PA

A focused review of the four systems insurers care about most, written up in the format carriers ask for. Get a free estimate online.

Who needs a 4-point inspection?

Most people ask for one because an insurance company told them to. Homeowners renewing a policy on an older house, buyers who need coverage in place before closing, and sellers whose buyer's carrier requires documentation are the usual clients.

Much of the housing in western Pennsylvania is decades old, and it is common for original roofs, panels and plumbing to be near the end of their service life. A carrier wants proof of where each system stands. A clear, professional report can keep a policy moving forward instead of stalling the closing.

It also works as a focused health check for owners who just want a focused look at the systems that cost the most when they fail.

Because the inspection is narrow, it is also quick to schedule. If a carrier has given you a deadline, say so when you call. Will will do his best to fit the visit, and with Saturday on call for same-day inspections, there is often room to move fast.

If you are unsure whether your carrier wants a 4-point, a wind mitigation or a full inspection, ask the carrier for their exact requirement and forward it to Will so the report is written to match.

What does a 4-point inspection cover?

The name says it: four systems, examined and documented.

  • Roof: covering type and condition, flashing, visible damage, drainage and remaining-life indicators
  • Electrical: service size and panel, breakers or fuses, visible wiring type and condition, grounding, and obvious hazards
  • Plumbing: supply and drain piping materials, water heater, fixtures, visible leaks and water damage
  • HVAC: heating and cooling equipment type and condition, operation, and visible components
  • Photo documentation of each system and any defects found
  • Notes on safety concerns a carrier is likely to ask about

A 4-point inspection is limited in scope. It does not evaluate the foundation, interior, attic framing or other parts of the home. For that, book a full home inspection.

How it works and what you get

Tell Will which carrier or form you are working with when you book, if you know. He inspects the four systems, takes photos, and produces a report the same day or within 24 to 48 hours. You can forward it to your agent or carrier, and you are welcome to call afterward with questions.

If he finds something that may concern a carrier, such as an aging roof or an outdated panel, he explains it plainly so you can decide how to proceed before you submit anything.

Why an independent veteran Certified Master Inspector?

Insurers and buyers rely on the report being accurate. Semper Fi is independent of agents and sellers. Will Kuhn is a U.S. Marine Corps veteran, a Certified Master Inspector (CMI, CCMI), InterNACHI member, and holds CCPIA, IAC2 and MC/RC certifications, with errors and omissions and general liability coverage.

Need to bundle it with a full inspection? Mention it when you book, or get a free estimate online.

Related inspections and pages

Home inspectionThe full-scope optionManufactured home inspectionPiers, skirting, roofsOccupancy inspectionBefore sale or move-inBuying an older homeWhat to watch forInspector in New CastleLawrence County service

Common questions

What is a 4-point inspection?
A 4-point inspection is a limited inspection of a home's roof, electrical, plumbing and heating and cooling systems. Insurance carriers often request one for older homes to judge the condition of the systems that most often lead to claims. It is not a full home inspection.
Why does my insurance company want a 4-point inspection?
Carriers use it to assess risk on an older home. Aging roofs, outdated wiring, old plumbing and worn HVAC equipment are common sources of claims. A documented inspection helps them decide whether to write, renew or price a policy. Requirements vary by carrier.
Is a 4-point inspection the same as a home inspection?
No. A 4-point covers only roof, electrical, plumbing and HVAC. A home inspection is much broader, covering structure, exterior, interior, insulation and more. Many buyers get a full inspection and add the 4-point if their carrier requires it.
What will the inspector look at?
Will evaluates roof covering and condition, the electrical service and panel, visible wiring, supply and drain plumbing and fixtures, and the heating and cooling equipment. He documents the condition, approximate age where visible, and any defects with photos.
How quickly can I get the report?
Reports are delivered the same day or within 24 to 48 hours, which helps when a carrier deadline is close. Call 878-300-6621 and mention your deadline when you book so scheduling can be planned around it.
How much does a 4-point inspection cost?
Cost depends on the property, so please get a free estimate online or call. A 4-point is narrower than a full inspection, and the estimate tool will reflect your specific home.

Ready to schedule?

Get your free estimate online, or call Will directly at 878-300-6621.

Get a free estimateCall 878-300-6621