Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years old or more).Their concern is that there may be conditions in an older home that could become a liability to them. A Four-Point Inspection may be what you need. For example; a home with a roof nearing the end of its service life may fail while under the policy and the homeowner may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns apply to the condition of the HVAC, plumbing and electrical systems in an older home. If these systems are in poor condition, in need of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to a home.
Newer homes are assumed (by the insurance companies) to be less of a risk than older homes.
A "Four-Point Inspection" focuses only on the four points of concern for many insurance companies: Roof, HVAC (Heating and Cooling Systems), Electrical and Plumbing. The inspection and report lists the condition of these elements, as well as any observed defects.
Relax, get a Four-Point Inspection, follow the recommendations of your InterNACHI Certified Professional Home Inspector and you'll be sure that your home's key components and systems are performing the way they were intended.