4-Point Insurance Inspection in O'Fallon & St. Charles County, MO
A targeted, professional inspection of your home’s four critical systems — formatted for your insurance company’s requirements and delivered promptly.
- Fast Report Turnaround
- Insurance-Ready Format
- Certified Professional Inspector
- Serving St. Charles County & Beyond
Overview
What Is a 4-Point Insurance Inspection?
A Four-Point Insurance Inspection is a limited, visual survey of a home’s four primary systems, performed when required by an insurance company. It is typically requested to obtain a new homeowner’s insurance policy or to renew an existing one — particularly when a home reaches a certain age or a policy change occurs.
The inspection focuses exclusively on: Roof, HVAC, Electrical, and Plumbing — plus a minor foundation review. Unlike a complete home inspection, it does not evaluate the entire property. The resulting report is formatted specifically for the insurance carrier.
What We Inspect
The Four Inspection Points — Plus Foundation
Each system receives a limited visual evaluation. The inspector documents condition, estimated age, materials, and any observable concerns that are relevant to insurance coverage.
1. Roof
Covering material, estimated age, visible condition, and any observable concerns affecting insurability.
2. HVAC
Heating and cooling equipment type, fuel source, estimated age, and observable operating condition.
3. Electrical
Panel brand, service amperage, wiring type (copper, aluminum, knob-and-tube), and visible safety concerns insurers flag.
4. Plumbing
Supply and drain pipe materials, water heater age and condition, and any visible leaks or notable concerns.
+ Foundation
Minor Visual Review
A limited visual check of accessible foundation areas for visible concerns. Not a structural engineering evaluation.
Who Needs One
When Insurance Companies Require a 4-Point Inspection
Each system receives a limited visual evaluation. The inspector documents condition, estimated age, materials, and any observable concerns that are relevant to insurance coverage.
- Your home has reached a certain age (commonly 25–40+ years, varying by insurer)
- You are obtaining a new homeowner's insurance policy
- You are switching insurance carriers or renewing an existing policy
- A policy change occurs that triggers your insurer's review requirements
- Your insurer requires documentation before binding or continuing coverage
About the Report
The 4-point inspection report is specifically designed to satisfy insurance requirements. It documents system condition, age, and material type in the concise format insurers expect — not the comprehensive narrative of a full home inspection.
The report is intended to be shared directly with your insurance company and is formatted accordingly. Because the scope is limited by design, it serves a different audience and purpose than a complete home inspection report.
Reports are delivered promptly after the inspection and cover all four systems your carrier needs to evaluate coverage eligibility.
- Formatted for insurance company submission
- Delivered promptly after inspection
- Priced to reflect limited, targeted scope
Side-by-Side Comparison
4-Point Inspection vs. Complete Home Inspection
These are two distinct services with very different purposes. Understanding the difference will help you order the right inspection — and avoid sharing the wrong report with your insurance company.
| Feature | 4-Point Inspection Insurance | Complete Home Inspection InterNACHI SOP |
|---|---|---|
| Primary Purpose | Satisfy insurance company requirements for coverage | Evaluate the full condition of a home for buyers, sellers, or owners |
| Scope | Roof, HVAC, Electrical & Plumbing + minor foundation review only | All systems and components per InterNACHI Standards of Practice — entire home |
| Intended Audience | Insurance carrier — report is meant to be submitted to your insurer | Homeowner, buyer, or seller — report is your personal decision-making tool |
| Report Detail | Limited and targeted — documents types, ages, and visible conditions | Comprehensive — detailed findings, photos, videos, and maintenance recommendations |
| Share with Insurer? | Yes — this is the intended use | No — not formatted for insurance & should not be shared |
| Covers Appliances? | No | Yes — dishwasher, range, exhaust fans, garage door operator, and more |
| Interior Rooms? | No | Yes — kitchens, bathrooms, bedrooms, and common areas |
| Attic & Crawlspace? | Limited — only as visible/accessible to the four systems | Yes — full inspection of attic, basement, and crawlspace |
| Pricing | Lower — priced to reflect the limited, targeted scope | Flat-rate based on home size — comprehensive inspection value |
| Standards Followed | Insurance industry 4-point format requirements | InterNACHI Standards of Practice |
| Client Protections | Not included | Included at no charge — Buy-Back Guarantee & Warranty Program |
Do Not Share Your Full Home Inspection Report with Your Insurance Company
A complete home inspection report is detailed, comprehensive, and not formatted for insurance review. It may be misinterpreted by underwriters and is not designed for that purpose. If your insurance company requests an inspection report, you need a 4-point inspection — a separate, dedicated service distinct from a general home inspection.
The Report
What the 4-Point Inspection Report Documents
Delivered in a concise, professional format that meets your insurance company’s requirements. The report is focused on the four systems that determine your coverage eligibility.
Roof System
Covering type and material, estimated age, visible condition, and any concerns noted at the time of inspection.
HVAC System
Heating and cooling equipment type, fuel source, estimated age, and observable operating condition.
Electrical System
Main panel brand, service amperage, wiring type (copper, aluminum, knob-and-tube), and visible safety concerns.
Plumbing System
Supply and drain pipe materials, water heater age and condition, and any visible leaks or notable plumbing concerns.
Common Questions
Frequently Asked Questions About 4-Point Inspections in Missouri
You typically need a 4-point inspection when your home reaches a certain age (commonly 25–40+ years, depending on your insurer), when applying for a new homeowner’s insurance policy, switching carriers, or renewing a policy where the insurer requires documentation. Requirements vary by carrier — check with your insurance company or agent if you’re unsure.
A 4-point inspection is narrowly focused on four systems and generates a concise report for your insurance company. A complete home inspection follows InterNACHI Standards of Practice and thoroughly evaluates every system and component of the home, delivering a detailed report for the homeowner’s decision-making. They serve different audiences with different purposes — and should not be interchanged.
No — and this is an important distinction. A complete home inspection report is comprehensive, detailed, and not formatted for insurance review. It contains findings and commentary that may be misinterpreted by an underwriter. If your insurance company requests an inspection report, you need a dedicated 4-point inspection — not your general home inspection report.
A 4-point insurance inspection typically takes 45 minutes to 1 hour, depending on the home’s size and the accessibility of its systems. Because the scope is limited to four specific systems, it is significantly faster than a full home inspection.
A 4-point inspection is priced lower than a full home inspection because of its limited scope — you pay for exactly what you need. Tech Inspect Home Services LLC provides transparent, flat-rate pricing with no hidden fees. Use our instant online quote tool to get your exact price without a phone call.
The homeowner typically orders and pays for the 4-point inspection directly with a licensed home inspector. Your insurance company or agent will notify you that one is required, but the scheduling and payment is handled between you and the inspector. The completed report is then shared with your insurer as part of the policy application or renewal process.
Pricing
Transparent, Targeted Pricing
Because a 4-point inspection focuses only on four systems, it is priced significantly lower than a complete home inspection. You pay for exactly what you need — with no hidden fees added at checkout.
Use our instant quote tool to see your exact price in seconds — no phone call required, no guesswork.
Priced to reflect limited scope — instant quote available online
Ready to Book?
Schedule Your 4-Point Insurance Inspection Today
Questions? Call us at 636-201-6366