4-Point Insurance Inspections

The Four Systems Your Insurer Cares About

When a homeowners insurance carrier asks for a 4-point inspection, it wants documented condition on the four systems that generate claims: the roof, electrical, plumbing, and HVAC. Universal Inspect performs 4-point inspections across Southern California and delivers a clean, photo-documented report formatted for insurance underwriting — usually the same day.

What We Document

Roof covering type, age, and remaining life, with flashing and penetration condition; electrical service size, panel brand and condition, and wiring type; plumbing supply and drain materials, water heater age and condition, and any visible leaks; and HVAC equipment age, operation, and condition. Insurers frequently flag specific items — certain legacy electrical panels, polybutylene plumbing, and roofs past their expected life — and our report states plainly what is present so there are no surprises mid-underwriting.

When You Need One

Carriers most often require a 4-point inspection on older homes, at policy renewal after a claim, or when switching insurers. If the report surfaces a problem, you will know exactly what it is and what fixing it involves, because Universal Inspect works under a licensed general contractor (CSLB #1138550). Many clients pair the 4-point with a complete home inspection so the insurance requirement and the full condition picture arrive in one visit.

Book It

Call 310.880.9718 or schedule online. Tell us it is for insurance and which carrier, and we will make sure the report matches what your agent asked for. See inspection pricing for complete-inspection packages.

Universal Inspect is licensed, bonded, and insured, and every inspection is performed under California contractor license CSLB #1138550 (General Engineering and General Building) with NRCIA-certified roof inspection credentials. Reports are digital, photo-rich, and typically delivered the same day.