4 Point Inspections

What Is A 4 Point Inspection?​

 

A 4-Point Inspection is a focused, insurance-oriented home inspection that evaluates the four major systems that most insurers care about when underwriting a policy. Unlike a full home inspection, a 4-point is narrower in scope—but just as important, especially if you’re buying an older home or renewing your homeowner’s insurance.

At Hill’s Top Home Inspections, our 4-Point Inspection service is designed to meet insurance company requirements while giving homeowners a clear understanding of any potential risks or needed repairs.

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What We Inspect​

 

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The four systems we thoroughly examine during a 4-Point Inspection are:

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✅ Roofing System

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• Age and overall condition of roofing materials

• Type of roof covering (asphalt, metal, tile, etc.)

• Signs of visible damage, sagging, or leaks

• Flashing and ventilation

• Expected remaining life

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✅ Electrical System

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• Panel brand, condition, and amperage

• Wiring type (copper, aluminum, knob-and-tube, etc.)

• Presence of any outdated or hazardous components

• Proper grounding and bonding

• Functionality and safety of outlets and breakers

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✅ Plumbing System

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• Type of supply and drain piping (copper, CPVC, galvanized, etc.)

• Age and condition of pipes

• Visible leaks or corrosion

• Water heater age, condition, and installation

• Functional shut-off valves

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✅ HVAC (Heating, Ventilation, and Air Conditioning)

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• Age and type of system

• Condition of air handler and condenser

• Evidence of leaks, rust, or poor maintenance

• Functionality and airflow

• Estimated remaining life span

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Why You Might Need A 4 Point Inspection

 

Most often, a 4-Point Inspection is required by insurance companies when:

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• Purchasing a home older than 25 years

• Renewing a homeowner’s insurance policy

• Switching insurance providers

• The insurer is requesting verification of updates or system conditions

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Why It Matters

 

A 4-Point Inspection can make or break your ability to get insured. It provides insurance companies with a snapshot of the risk level associated with a home’s core systems.

Benefits include:

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• Satisfying insurance requirements

• Uncovering safety hazards

• Avoiding denied claims or policy cancellations

• Getting ahead of repairs that could lead to costly damage

 

What You'll Receive​

 

After our inspection, you’ll receive a certified 4-point report tailored for your insurance provider. It includes:

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• All required insurer documentation

• Clear descriptions of each system

• Photos of components and any defects

• Inspector’s recommendations (if needed)

We can even send the report directly to your insurance agent upon request—saving you time and hassle.

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Why Choose Hill's Top Home Inspections?

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We’ve worked with countless homeowners and insurance providers across Tennessee and understand what insurers look for. With Hill’s Top, you get:

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• Fast turnaround times (often same-day reporting)

• Accurate, insurance-ready reports

• Friendly communication and expert insight

• A licensed, certified inspector who knows what matters most

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Book Your Inspection Today!​

 

Whether you're buying, selling, or updating your insurance, a 4-Point Inspection is a smart and often necessary step. Let Hill’s Top Home Inspections provide the documentation and peace of mind you need—with a fast, professional inspection that checks all the boxes. Trust Hill’s Top Home Inspections for unparalleled expertise and service.

Call or message us at (615)784-3828 or Click Here to get started on your free quote. Let’s make sure your next move is a confident one!