Q: I was going to order a home inspection on the house I’m buying, but the seller says he got an insurance inspection last month. Is that the same as a home inspection?
A: No. The seller is likely referring to a ‘Four Point Insurance Inspection.’ This is a minimal inspection requested by home insurance carriers to ascertain the condition of the home they are considering for insurance coverage. It does not in any way compare to a full home inspection.
The Four Point Inspection typically includes four major areas of the home; roof, heating and air conditioning, plumbing, and electrical systems. These are the systems in a home that, when inadequate or outdated, have the potential to initiate losses for insurance carriers. Therefore, they are interested in the age, condition and types of equipment installed in the properties they insure.
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