🧯 What Is a 4-Point Home Inspection and Why Insurance May Require One

If you’re buying an older home in Nashville or anywhere in Middle Tennessee, your insurance company may request something called a 4-point inspection before they approve your policy. It’s not a full home inspection—but it covers the four most essential systems that insurers care about.

At Hill’s Top Home Inspections, we perform 4-point inspections that meet all carrier requirements and help ensure your coverage isn’t delayed or denied.

📋 What Is a 4-Point Inspection?

A 4-point home inspection focuses on the four main components of a property:

1. Roof

2. Electrical System

3. Plumbing System

4. HVAC (Heating and Cooling)

This limited inspection is often required for homes over 20–25 years old. Unlike a full buyer’s inspection, a 4-point inspection is meant solely to evaluate the age, condition, and safety of these major systems.

🧰 What Does It Include?

Here’s a breakdown of what we inspect:

🏠 Roof

• Age and material type (shingle, metal, etc.)

• Visible leaks or damage

• Condition of flashing and penetrations

• Remaining life expectancy

⚡ Electrical

• Type of wiring (copper, aluminum, knob and tube)

• Breaker panel age and brand

• Proper grounding and bonding

• GFCI/AFCI protection

💧 Plumbing

• Type of supply and drain lines (copper, PEX, polybutylene, etc.)

• Water heater age and installation

• Leaks, corrosion, or code violations

❄️ HVAC

• Age and functionality of AC and heating units

• Signs of improper installation or poor maintenance

• Duct condition

👉 All findings are documented with photos and provided in a concise report for your insurer.

🏚️ Why Insurance Companies Require It

Older homes may have outdated systems that pose risks for fire, water damage, or system failure. Insurance companies want to limit that risk.

If your home has:

• A roof nearing the end of its life

• Outdated electrical panels (e.g., Federal Pacific, Zinsco)

• Galvanized plumbing or polybutylene piping

• A 25-year-old HVAC system

...your insurer may request updates before issuing coverage—or raise your premiums.

📍 Common in Middle Tennessee

In areas like Nashville, Brentwood, Murfreesboro, and Spring Hill, many homes built before 2000 require 4-point inspections for:

• Policy renewals

• New coverage with a different carrier

• Post-purchase applications

We frequently work with agents and homeowners to turn reports around fast and help prevent delays.

📄 What You Get From Hill’s Top

• Same-day digital 4-point report

• Detailed photos for each system

• Clear notes about condition and repairs

• Easy-to-share PDF for insurance carriers

We also perform full home inspections, so if you’re under contract, we can bundle both services.

📞 Need a 4-Point Inspection for Insurance?

Let us help you stay insured and protected.

👉 Schedule at www.HillsTopLLC.com

📞 Call/Text Brandon at (615) 784-3828

Hill’s Top Home Inspections – Serving Nashville and Middle Tennessee with Precision and Professionalism.