How Much Does a 4-Point Home Inspection Cost?

If your insurance company has asked for a 4-point inspection, you might be wondering what it is, why it’s needed, and how much it costs. Let’s break it down.

What’s a 4-Point Inspection?

A 4-point inspection is focused on four main systems in a home:

1. Roof –  age, condition, and signs of leaks or damage.
2. Electrical – type of wiring, panel condition, and safety hazards.
3. Plumbing – supply and drain lines, water heater, and any visible leaks.
4. HVAC – heating and cooling equipment type, age, and operation.

Unlike a full buyer’s inspection, a 4-point isn’t about finding every issue in the home. It’s a snapshot for insurance companies to help them decide whether to insure your home.

Why Do Insurance Companies Require It?

Many insurance carriers want proof that these key systems are in good working order, especially for older homes, before issuing or renewing a policy. If any of these systems are outdated or in poor condition, they see that as a higher risk.

How Much Does It Cost?

At Structure Tech, a 4-point inspection typically ranges from $250 to $450, depending on the size and age of the home.

• Smaller/newer homes usually fall toward the lower end of the range.
• Larger/older homes that require more time and documentation may be at the higher end.

If your insurance company needs a signed 4-point form from us, we can only sign off if none of the four systems have priority (major) issues. If there are, we’ll document them and your insurer will decide the next step.

How to Schedule

If you need a 4-point inspection, we can usually work you in quickly. These inspections are shorter than a full home inspection, so turnaround time is fast. Give us a call at 952-915-6466 or email info@structuretech.com to get on the schedule.