Do I need a 4-Point Inspection?

​When it comes to homeowners insurance, companies typically see older homes – as charming and beautiful as they are, especially in the Oldest City - as greater risks.

Whether it’s risky piping, missing shingles or an outdated water heater, insurance companies certainly take caution before insuring an older home – even if it is in great condition or recently updated. To mitigate risk, most carriers require a Four-Point Inspection before insuring homes 30-40+ years of age. At Leigh Insurance Agency, we take pride in being able to walk our customers through these inspections to help determine necessary updates.

A Four-Point Inspection examines four systems in the home – plumbing, electrical, HVAC and roofing. It differs from a pre-sale home inspection which may be more thorough in nature. The Four-Point only satisfies insurance requirements. Any systems in the home that need updates or do not have useful life left may need replaced before the insurance company will be accept the home. Typically, these inspections cost anywhere from $100-$150 to have completed by a licensed home inspector. 
If you are purchasing an older home, be sure to have one of these inspections handy in order to obtain insurance for closing. Leigh Insurance Agency of St. Augustine can help you navigate the necessary documents needed in order for your home to be eligible for the best insurance policy. Give us a call at 904-826-0799 for more information, or stop by our office at 1797 Old Moultrie Road, Suite 111, in St. Augustine, Florida.