When it comes to obtaining homeowners insurance, especially for older homes, insurance companies often require a 4-point inspection to verify the condition of the property’s most critical systems. At Red Shield Inspections, we provide professional Insurance 4-Point Inspections across Northern California and the Greater San Francisco Bay Area, giving insurers and homeowners a clear understanding of key home systems that affect coverage and risk.
What Is a 4-Point Inspection?
A 4-point inspection is a specialized evaluation that focuses on four major components of a home:
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Electrical System – We check the main panel, wiring, outlets, and grounding to identify safety hazards or outdated systems that could pose a risk.
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HVAC System – Heating, ventilation, and air conditioning systems are evaluated for age, functionality, and safety.
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Roofing – We assess roof condition, age, and potential leaks to determine remaining useful life.
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Plumbing System – Water supply lines, drains, fixtures, and visible pipes are examined for leaks, corrosion, and other concerns.
This type of inspection provides insurance companies with the critical information needed to assess risk and determine eligibility for coverage, especially for homes that are 30+ years old or have not been recently updated.
How 4-Point Inspections Differ from Full Home Inspections
Unlike a full home inspection, which typically evaluates over 400 aspects of a property — including windows, doors, insulation, structural elements, and more — a 4-point inspection is limited to the four major systems most relevant to insurance coverage.
Why it matters:
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Homeowners get a focused assessment that satisfies insurance requirements
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Insurance companies receive the documentation they need to issue or renew policies
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Older homes can address critical systems before a claim arises or a policy is denied
This makes the 4-point inspection faster, more targeted, and specifically designed for insurance purposes.
Why Red Shield Inspections for 4-Point Home Inspections
At Red Shield Inspections, we provide accurate, reliable 4-point inspections performed by licensed and experienced inspectors who understand both home systems and insurance requirements. Our service includes:
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Detailed evaluation of electrical, plumbing, roofing, and HVAC systems
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High-resolution photos and notes documenting findings
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Clear, easy-to-read reports suitable for insurance submission
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Expert guidance on any issues found that could affect coverage
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Timely service to ensure your insurance application stays on schedule
With our inspections, you can feel confident that your report meets the standards required by insurance providers while giving you insight into the current condition of your home’s most critical systems.
Who Needs a 4-Point Inspection?
4-point inspections are most commonly requested for:
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Older homes (typically 30+ years) seeking new insurance policies
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Homeowners renewing insurance who may be asked to provide a current assessment
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Real estate transactions where the insurance company requires verification of critical systems
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Property managers or investors who want a focused review of essential systems
It’s a simple, efficient way to ensure your home is properly insured without the time and cost of a full home inspection.
Schedule Your Insurance 4-Point Inspection Today
Don’t let insurance requirements delay your policy or leave critical systems unchecked. Schedule a 4-point inspection with Red Shield Inspections to provide your insurance company with the accurate, detailed information they require — and gain peace of mind knowing your home’s major systems are safe and functioning properly.
👉 Contact us today to book your insurance 4-point inspection.
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