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Four-Point Insurance Inspection
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A carrier-oriented inspection of the four core systems (roof, electrical, plumbing, HVAC) used by insurers to underwrite older homes, documenting age, condition, and material of each system.
Citizens Four-Point FormInterNACHI SOP
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Property and Report Details
- Property address *
- Date of inspection *
- Year the home was originally built *
- Approximate total living area (square feet)
- Home is a single-family, condo unit, or manufactured home *
Roof
- Predominant roof covering material *
- Estimated age of the roof covering (years) *
- Estimated remaining useful life of the roof is 3 years or more *
- No visible leaks, missing/curling material, or areas of active deterioration *
- Photo of the overall roof and any deficiency
Electrical System
- Main panel amperage rating *
- Branch wiring is copper (no aluminum branch, knob-and-tube, or cloth wiring present) *
- Panel brand is not a known hazard type (e.g., Federal Pacific, Zinsco, Challenger) *
- No double-taps, exposed wiring, corrosion, or scorching observed in the panel *
- Photo of the panel interior and label
Plumbing System
- Predominant supply piping material *
- No polybutylene or galvanized supply piping present *
- Water heater age (years) *
- No active leaks, corrosion, or prior repairs indicating chronic failure *
HVAC System
- Primary heating/cooling system type *
- Estimated age of the HVAC equipment (years) *
- System was operational and produced conditioned air at time of inspection *
- No signs of leaks, rust, or safety hazards at the equipment *
- Photo of the condenser/air handler data plate
Four-Point Insurance Inspection 체크리스트 전체 다운로드
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