INSURANCE INFORMATION
4-Point Inspections
Focused information on a home’s roof, electrical, plumbing, and HVAC systems when an insurer asks for it. Start with the carrier’s form and requirements, then schedule the inspection that fits the request.
The right scope for an insurance request
A 4-point inspection has a narrow job: provide focused information about four major home systems that may matter to an insurance carrier. DG Home Inspections looks at the roof, electrical, plumbing, and heating and cooling systems within the agreed scope, documenting accessible conditions that relate to the request. It can be useful for a homeowner seeking new coverage, changing carriers, or responding to a carrier’s follow-up question about an existing policy.
This is not a shortened version of a full home inspection. A full inspection is designed to examine a wider range of accessible home systems and components. A 4-point inspection stays centered on the four named areas and the carrier’s documentation needs. If you are buying a home or need a broader understanding of its condition, a full home inspection may be the more useful starting point.
Four systems, one focused assignment
The roof portion concerns accessible, observable aspects of the roofing system relevant to the requested documentation. Electrical information centers on readily accessible service equipment and visible wiring conditions. Plumbing observations can address visible supply, drain, and water-heating components, while the HVAC portion concerns accessible heating and cooling equipment. The actual information recorded should follow the scope agreed for the inspection and any carrier form supplied in advance.
Focused does not mean superficial. Clear documentation gives the carrier information in a usable format and gives you a specific record of what was observed on the inspection date. If a condition needs closer diagnosis, repair, or replacement planning, the next step may be a qualified contractor or another appropriate specialist. The inspection can identify an observed condition, but it does not prescribe the work or set a repair price.
Bring the carrier request first
Before booking, contact your insurance agent, carrier, or underwriting contact and ask exactly what is needed. Confirm whether the carrier has its own form, whether photos are required, which systems must be addressed, and the submission deadline. Send the current form or written instructions to DG Home Inspections before the appointment whenever possible. That simple step helps set the correct inspection scope rather than relying on an assumption about what a carrier may accept.
Requirements can differ by carrier, policy type, property, and underwriting stage. A generic form or a form used in another jurisdiction may not answer the questions your Nevada carrier has asked. If the carrier has no form, ask for written guidance on the information it wants and who may complete it. DG Home Inspections can provide inspection information, but the carrier controls its underwriting process and any request for additional material.
Make the four areas accessible
Useful observations depend on safe access. Before the appointment, arrange access to electrical panels, the water heater, heating and cooling equipment, and any relevant interior areas. Clear stored items away from equipment and panels where it is safe to do so. If exterior, attic, crawlspace, or equipment access is blocked, unsafe, or not readily accessible, it may limit what can be observed and documented during the visit.
A 4-point inspection is visual and limited to accessible conditions at the time of inspection. It does not uncover concealed defects, predict how long a system will last, verify code compliance, or determine whether a home is insurable. It also does not guarantee eligibility, a premium, continued coverage, or approval. The report is information for the requested purpose; the insurance carrier makes its own coverage and underwriting decisions.
A FEW USEFUL ANSWERS
Questions worth asking.
Can DG use my insurance carrier’s 4-point form?
Provide the current form or written requirements before scheduling. DG Home Inspections can review the requested information and plan the inspection around the agreed scope. The carrier decides whether a form is acceptable and whether anything else is needed, so confirm its instructions directly with the carrier or agent first.
Is a 4-point inspection the same as a full home inspection?
No. A 4-point inspection is concentrated on the roof, electrical, plumbing, and HVAC systems for an insurance-related request. A full home inspection considers a broader set of accessible residential systems and components. Choose the broader inspection when you need a wider condition picture, especially before a purchase.
What happens if an issue is noted?
The inspection report documents accessible conditions observed on the inspection date. If a condition needs diagnosis or work planning, you may want to consult a qualified contractor or specialist. Your carrier may ask for more information or take its own underwriting action; DG Home Inspections does not decide coverage, premiums, or approval.