Four Point Inspection
Insurance Glossary
A short inspection of a home's roof, electrical, plumbing and heating and cooling systems that insurers use to decide whether to write or renew a policy on an older house. Age thresholds vary by insurer and state, with many requesting one on homes past roughly 20 to 30 years old, and it is most common in storm exposed states. An aging roof, older wiring types or certain plumbing materials can lead to conditions on the policy, a higher price or a declination.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.