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4 Point Insurance Inspections
Submitted by arrowaram on Wed, 04/30/2008 - 00:19.
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4 Point Insurance Inspections
Requested by All Insurance Company Underwriters
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Four (4) Point Home Insurance Inspections
After Hurricane Andrew hit Southwest Florida in 1992, and many other Disaster Hurricanes
like Hurricane Katrina few years ago Insurance Companies nation-wide have been trying to
encourage home owners to make their homes safer and reduce insurance claims. Many of the insurance companies and JUA (Joint Underwriting Association) now request Four Point Inspections,
which often include, but not limited to:
like Hurricane Katrina few years ago Insurance Companies nation-wide have been trying to
encourage home owners to make their homes safer and reduce insurance claims. Many of the insurance companies and JUA (Joint Underwriting Association) now request Four Point Inspections,
which often include, but not limited to:
1. Roof Inspection
2. Electrical Inspection
3. HVAC (Heat & Air Conditioning)
4. Plumbing
Arrow Environmental Property Inspections will inspect properties in Boone, Howard, Cooper Counties
We exclusively use the approved Citizens Insurance Inspection Form that has been adopted by
every insurance company to date. This form provides short, direct responses to all of the
questions needed to satisfy the insurance industry. The form also is uniform and direct to
help the insurance brokers keep the process moving. The approved Citizens Insurance
inspection forms are available to all InterNational Association Certified Home Inspectors
( InterNACHI ). InterNachi Members ID # 07110204
What is the cost of a Four Point Inspection?
The starting cost of a 4 Point Inspection is $138.00 to $249.00 and this is generally based on
the size of the home by square feet and the age of the home and location.
What are they looking for in the inspection report?
They are generally looking for most systems in the four point inspection to have been updated
to current standards and are in good condition. The 4 point inspection is a tool for them to
evaluate your homes condition on the four points.
Are there special forms?
Some insurance companies in Missouri have forms that may be used for at least one of the
4 points (Electrical). In this particular form they have ask about the age, type and certain
elements of the electrical system, which may have high claim ratios. We exclusively use the
approved Citizens Insurance Inspection Form for all four inspection areas. This helps move the
procees along by using a certified home inspector that can do ALL four of the required
inspections at one time.
Who can perform this four point inspection?
Can I fill out the paper work myself?
The Missouri Insurance Companies prefer to use qualified Inspectors to complete the
4 point inspection. They are able to provide a professional opinion to the four areas inspected.
A home owner can not fill out the four point inspection form themselves. Arrow Environmental
Property Inspections Inspectors are Qualified to perform a 4 point insurance inspection, and r
eport all forms to the insurance agent that your are filed with.
Do I have to do the four point inspection?
I have heard reports of hardships maintaining coverage and or acquiring new insurance in Missouri
due to the four point inspection. Some Insurance providers will not cover you anymore without
the 4 point inspection. Coordinating all these Trades Professionals sounds Costly. If you
hired all four trades to perform the inspection, it would get very expensive. We exclusively use
the approved Citizens Insurance Inspection Forms to satisfy most interests of insurance
companies quickly, efficiently and cost effectively to offer the inspection at a reduced cost to you.
I'm buying a home in Central Missouri. Can I use this as a less expensive pre purchase home inspection?
No. This four point inspection is not intended for use as a pre sale or pre purchase
comprehensive home inspection. You will receive a copy of the 4 point inspection, with a stamped seal.
It is geared for your insurance needs only. The 4 point inspection will not contain the type of
information you may need to make an informed buting decision for your home purchase. If you
need a 4 point insurance inspection anywhere in Boone, Howard, and Cooper Counties
or you have any questions that were not addressed on this page, please contact me and I will help you.
Thank You for Using Arrow Environmental Property Inspections
