Roof covering, age information, and visible condition requested by the form
Focused insurance information
Four-Point Inspection
A limited inspection focused primarily on the roof, electrical, plumbing, and heating and cooling systems.
Overview
Focused information for an insurance request
A four-point inspection is a limited inspection centered on the roof, plumbing, heating and cooling, and electrical systems. Insurance providers commonly request this information for underwriting purposes.
Requirements vary. Clients should confirm the required form and any supporting documentation with the requesting insurance company before the appointment.
What the inspection includes
Four focused system areas
The requesting form and written inspection agreement control the information collected and reported.
Visible plumbing-system information
Heating and cooling equipment information
Electrical-system information requested by the form
Why this service is important
Insurers use the report to make their own underwriting decision
A four-point inspection provides limited current information about four major systems. The insurer—not the inspector—decides whether the report is acceptable and whether coverage will be offered.
Property conditions and limitations
Information commonly requested on a four-point form
Insurer forms vary, but the four system areas commonly call for documentation of:
Roof covering type, age information, visible condition, and observed leakage indicators
Electrical service, panels, wiring types, and visible concerns requested by the form
Plumbing supply, water-heating, fixtures, and visible leakage information
Heating and cooling equipment type, age information, and visible operating condition
Practical details
When, how, and where this service is provided
When it is commonly requested
Commonly requested by an insurance carrier during a new application, renewal, or underwriting review.
Equipment that may be used
Visual inspection and basic system-documentation tools are used to collect the information requested by the applicable form.
Typical duration
A four-point inspection is generally shorter than a complete home inspection, but actual time depends on access, property conditions, and form requirements.
Service area and scheduling
Available by confirmed appointment throughout Lawton and Southwest Oklahoma. Approximately 100 miles, depending on scheduling availability and property location. Use the scheduling form or call to request an appointment.
Who should consider this service
Designed for a specific property decision or request
Property owners or insurance applicants whose insurer has requested a four-point inspection or specific form.
Owners applying for property insurance
Clients whose insurer requests an updated form
Buyers arranging coverage
Policyholders responding to underwriting requirements
Frequently asked questions
Four-Point Inspection
These general answers do not replace the signed agreement or property-specific scope.
What is a Four-Point Inspection?
A four-point inspection is a limited, insurance-focused inspection of the roof, plumbing, HVAC, and electrical systems. It is not a complete home inspection.
Why do insurance companies request one?
An insurer may request current information about the age, type, condition, or visible characteristics of these four systems. Requirements vary, and the insurance company decides whether the report is acceptable and whether coverage will be offered.
Does a four-point inspection replace a full home inspection?
No. A four-point inspection is limited to information requested about four major systems. It does not provide the broader evaluation of structure, exterior, interior, attic, insulation, ventilation, built-in appliances, and other components included in a standard home inspection.
What should I provide before the appointment?
Send the current insurer form or written requirements when available. Confirm that the roof, electrical equipment, water heater, plumbing fixtures, heating equipment, and cooling equipment can be safely accessed and that applicable utilities are operating.
Related inspection services
Choose the scope that fits your purpose
Each service has a different purpose and important limitations.
A clear view of the home
Home Inspection
A visual, non-invasive evaluation of readily accessible installed systems and components, with supplemental thermal imaging included when conditions permit and a modern digital report.
Supplemental visual screening
Thermal Imaging
Supplemental thermal imaging uses surface-temperature patterns to help identify areas that may warrant closer evaluation during a home inspection when conditions permit.
Wood-destroying insect observations
ODAFF Termite/WDI Inspection
A visual inspection of accessible areas for visible evidence associated with wood-destroying insects and related conducive conditions.
Plan your inspection
Request a four-point inspection
Confirm the required form with the requesting insurer, then share the property and timing details.