| Four (4) Point Houston Home Insurance Inspections |
Four Point Insurance Home Inspections in the Houston, Texas Area
ATEX Inspects is the leading Four Point home insurance inspection company in Houston and the Texas Gulf coast area. Most
home inspection companies and home inspectors in the Houston area do not perform Four Point Home Insurance Inspections. Why
waste your time and money with inexperienced home inspection companies, trying to figure out what is required, what the intent of
the inspection is and what forms should be used to conduct a Four Point Home Inspection? Place you time and trust in the
Houston area leader of Four Point Home Insurance Inspection services.
The Four Point Home Insurance Inspection is performed on behalf of the insurance companies and, typically, as a requirement for
the insurer offering insurance to home buyers and current home owners of older homes. If you own or buy an older Houston home,
chances are the insurance carrier will require you to have a Four-Point home inspection performed prior to issuing a current or re-
instated insurance certificate for the property. The benefit to you is simple, once your home passes a Four Point Home Inspection,
your insurance carrier can offer you lower home insurance rates or a discounted insurance plan. The insurance company takes
great risk in insuring older Houston homes and reduces this risk by insuring the property's current condition does not put the
insurance company at risk for loss.
After violent storms like Hurricane Ike in the Houston Texas and Texas Gulf coast area, the Four Point Home Insurance Inspection
has taken on added importance of verifying home conditions and necessary repairs are performed prior to insurance policies on
affected homes are renewed. This insurance inspection process originated on the East coast in the 1980's, but as insurance
companies begin to see the benefit of the four point home insurance inspection, the program has spread to other areas of the
country including Texas. The benefit to the insurance company is, obviously, reduced loss risk on Houston home owner’s
insurance policies and insuring necessary repairs are performed prior to issuing new home insurance policies. This is an area of
business that has, for many years, been a money loser for insurance companies.
The Four Point Home Insurance Inspection consists of a visual inspection of the following four primary components:
Home Roof Inspection
Home Electrical Inspection
Home HVAC Inspection(Heating and Air Conditioning and Other Interior Heating Sources)
Home Plumbing Inspection
Why are these four areas of a home's components important to an insurance company? Because these four areas of the Houston
home, represent the greatest risk for loss of life and property in older Houston homes. The insurance companies are expecting the
condition of the home components listed above to be working as intended within the manufacturer’s specifications. The insurance
companies are looking for the four home systems to be in generally good working condition and fulfilling their intended function
without improper installation, modification or other existing conditions of risk. If the Houston home is an older home the insurance
companies want to see that the systems have been updated.
In most cases, the home insurance inspection forms are provided by the insurance companies to their clients. The clients then have
the home property inspector complete and sign the form during the course of the Houston home inspection. The forms are
standard throughout the industry and we carry our own blank Four Point Insurance Inspection forms for client convenience.
The criteria used to judge the components include:
There are other types of specialized programs that are similar in nature to this type of inspection and may exist in specific markets.
For example, some states require low income buyers to obtain an inspection of a Houston home prior to purchase to obtain a low
interest loan. In Missouri, for example, the Missouri Housing Development Corporation (MHDC) has an inspection requirement that
is similar to a Four Point Insurance Inspection. Another example would be in California where many homeowner insurance
companies require verification of foundation attachment for homes built prior to 1965.
Why do I need a four point insurance inspection?
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years
old or more). Their common concern is that there may be conditions in an older Houston home that could become a liability to
them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner
may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the
condition of the HVAC, electrical and plumbing systems in an older Houston home. If these elements are in poor condition, in need
of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to your Houston home.
Newer Houston area homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.
QUESTIONS ABOUT FOUR POINT INSURANCE INSPECTIONS –
Is there a standard form to fill out?
The Four Point Home Insurance Inspection form is fairly similar within the industry with only slight modifications in the Home HVAC
section. Some insurance companies provide their own forms; however, most insurance companies will accept forms from
companies that perform home inspections provided that they are filled out by qualified individuals. ATEX Inspects has developed a
form that meets the requirements of most insurance companies in Texas.
Can I fill out the form myself?
Insurance companies require these home inspections to be completed by a qualified, state licensed individual such as a licensed
Texas Professional Real Estate Inspectors.
I am buying a home. Can I use this as a less expensive pre-purchase home inspection?
No. The four point inspection is not intended for use as a pre-sale or pre-purchase comprehensive inspection. As it is geared for
your insurance needs, The Four point inspection will not contain the type of information you may need to make an informed
decision for purchase.
I had a home inspection before I purchased my Houston home. Can I use that report instead of getting a Four Point
Insurance Inspection Report?
No, The insurance companies do not want large reports that contain other information. They want only specific information about
the HVAC, plumbing, electrical system and roof on the required Four Point Insurance Inspection report.
Coordinating all these Trades Professionals for a 4 point Inspection sounds Costly and lengthy.
ATEX Inspects is in-tune with these systems and our professional home inspector is in the inspection business to offer the four
point insurance inspection at a discounted rate. If you hired all four trades to perform the home system inspection independently, it
would get very expensive. We have also streamlined forms to satisfy most interests of insurance companies quickly and cost
effectively to offer the four point insurance inspection.
Who can guarantee the four point inspection forms, enable me to be approved for Insurance?
NONE! Please be clear that ATEX Inspects is not employed by any Insurance companies, and cannot guarantee any aspect of the
four point insurance inspection. If you encounter a situation where you are denied home insurance, ATEX Inspects is also an
approved inspector with the Texas Department of Insurance. We also perform state approved TDI inspections, once your home
meets the requirements of this program, the property cannot be denied insurance coverage.
Of course, there are many home insurance companies and home inspection requirements can vary and change at any time. You
should consult with your home insurance provider concerning any specific requirements.
In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance
companies recognize the value of the home inspection and the savings benefits it provides to the insurance carrier. ATEX Inspects
is a Texas leader of Four Point Inspections and is proud to offer four point insurance inspections as part of our full line of inspection
services.
ATEX Inspects is the preferred 4 Point Insurance Inspection Company serving all the greater Houston area and every area in
between.
If you have been denied home insurance coverage, contact us to find out more about the Texas Department of Insurance VIP
Inspector and VIP Insurance program. We are an approved Texas Department of Insurance VIP inspector. If we inspect your home
and it passes the VIP inspection, you cannot be denied home insurance coverage.
Contact us today at 281-216-1171 for your Four-Point Insurance Inspection needs or by request at:
www.atexinspects.com
SITE MAP
ATEX Inspects is the leading Four Point home insurance inspection company in Houston and the Texas Gulf coast area. Most
home inspection companies and home inspectors in the Houston area do not perform Four Point Home Insurance Inspections. Why
waste your time and money with inexperienced home inspection companies, trying to figure out what is required, what the intent of
the inspection is and what forms should be used to conduct a Four Point Home Inspection? Place you time and trust in the
Houston area leader of Four Point Home Insurance Inspection services.
The Four Point Home Insurance Inspection is performed on behalf of the insurance companies and, typically, as a requirement for
the insurer offering insurance to home buyers and current home owners of older homes. If you own or buy an older Houston home,
chances are the insurance carrier will require you to have a Four-Point home inspection performed prior to issuing a current or re-
instated insurance certificate for the property. The benefit to you is simple, once your home passes a Four Point Home Inspection,
your insurance carrier can offer you lower home insurance rates or a discounted insurance plan. The insurance company takes
great risk in insuring older Houston homes and reduces this risk by insuring the property's current condition does not put the
insurance company at risk for loss.
After violent storms like Hurricane Ike in the Houston Texas and Texas Gulf coast area, the Four Point Home Insurance Inspection
has taken on added importance of verifying home conditions and necessary repairs are performed prior to insurance policies on
affected homes are renewed. This insurance inspection process originated on the East coast in the 1980's, but as insurance
companies begin to see the benefit of the four point home insurance inspection, the program has spread to other areas of the
country including Texas. The benefit to the insurance company is, obviously, reduced loss risk on Houston home owner’s
insurance policies and insuring necessary repairs are performed prior to issuing new home insurance policies. This is an area of
business that has, for many years, been a money loser for insurance companies.
The Four Point Home Insurance Inspection consists of a visual inspection of the following four primary components:
Home Roof Inspection
Home Electrical Inspection
Home HVAC Inspection(Heating and Air Conditioning and Other Interior Heating Sources)
Home Plumbing Inspection
Why are these four areas of a home's components important to an insurance company? Because these four areas of the Houston
home, represent the greatest risk for loss of life and property in older Houston homes. The insurance companies are expecting the
condition of the home components listed above to be working as intended within the manufacturer’s specifications. The insurance
companies are looking for the four home systems to be in generally good working condition and fulfilling their intended function
without improper installation, modification or other existing conditions of risk. If the Houston home is an older home the insurance
companies want to see that the systems have been updated.
In most cases, the home insurance inspection forms are provided by the insurance companies to their clients. The clients then have
the home property inspector complete and sign the form during the course of the Houston home inspection. The forms are
standard throughout the industry and we carry our own blank Four Point Insurance Inspection forms for client convenience.
The criteria used to judge the components include:
- Current Operating Conditions and Types of Systems or Components Installed in the Home
- Scheduled Maintenance or Repair Requirements and Repair Cost Estimates
- Age of Home System and Expected Service Life
There are other types of specialized programs that are similar in nature to this type of inspection and may exist in specific markets.
For example, some states require low income buyers to obtain an inspection of a Houston home prior to purchase to obtain a low
interest loan. In Missouri, for example, the Missouri Housing Development Corporation (MHDC) has an inspection requirement that
is similar to a Four Point Insurance Inspection. Another example would be in California where many homeowner insurance
companies require verification of foundation attachment for homes built prior to 1965.
Why do I need a four point insurance inspection?
Insurance companies have become increasingly reluctant to issue Homeowner Insurance Policies on older homes (usually 25 years
old or more). Their common concern is that there may be conditions in an older Houston home that could become a liability to
them. For instance; a home with a roof nearing the end of its reliable service life may fail while under the policy and the homeowner
may seek reimbursement from their insurance company for damages to the home or its contents. Similar concerns extend to the
condition of the HVAC, electrical and plumbing systems in an older Houston home. If these elements are in poor condition, in need
of being updated or replaced or were improperly installed, they may fail and cause fire or water damage to your Houston home.
Newer Houston area homes are assumed (by the insurance companies) to not have these problems as frequently as older homes.
QUESTIONS ABOUT FOUR POINT INSURANCE INSPECTIONS –
Is there a standard form to fill out?
The Four Point Home Insurance Inspection form is fairly similar within the industry with only slight modifications in the Home HVAC
section. Some insurance companies provide their own forms; however, most insurance companies will accept forms from
companies that perform home inspections provided that they are filled out by qualified individuals. ATEX Inspects has developed a
form that meets the requirements of most insurance companies in Texas.
Can I fill out the form myself?
Insurance companies require these home inspections to be completed by a qualified, state licensed individual such as a licensed
Texas Professional Real Estate Inspectors.
I am buying a home. Can I use this as a less expensive pre-purchase home inspection?
No. The four point inspection is not intended for use as a pre-sale or pre-purchase comprehensive inspection. As it is geared for
your insurance needs, The Four point inspection will not contain the type of information you may need to make an informed
decision for purchase.
I had a home inspection before I purchased my Houston home. Can I use that report instead of getting a Four Point
Insurance Inspection Report?
No, The insurance companies do not want large reports that contain other information. They want only specific information about
the HVAC, plumbing, electrical system and roof on the required Four Point Insurance Inspection report.
Coordinating all these Trades Professionals for a 4 point Inspection sounds Costly and lengthy.
ATEX Inspects is in-tune with these systems and our professional home inspector is in the inspection business to offer the four
point insurance inspection at a discounted rate. If you hired all four trades to perform the home system inspection independently, it
would get very expensive. We have also streamlined forms to satisfy most interests of insurance companies quickly and cost
effectively to offer the four point insurance inspection.
Who can guarantee the four point inspection forms, enable me to be approved for Insurance?
NONE! Please be clear that ATEX Inspects is not employed by any Insurance companies, and cannot guarantee any aspect of the
four point insurance inspection. If you encounter a situation where you are denied home insurance, ATEX Inspects is also an
approved inspector with the Texas Department of Insurance. We also perform state approved TDI inspections, once your home
meets the requirements of this program, the property cannot be denied insurance coverage.
Of course, there are many home insurance companies and home inspection requirements can vary and change at any time. You
should consult with your home insurance provider concerning any specific requirements.
In summary, the Four Point Insurance Inspection program is gaining in popularity and will likely continue to expand as the insurance
companies recognize the value of the home inspection and the savings benefits it provides to the insurance carrier. ATEX Inspects
is a Texas leader of Four Point Inspections and is proud to offer four point insurance inspections as part of our full line of inspection
services.
ATEX Inspects is the preferred 4 Point Insurance Inspection Company serving all the greater Houston area and every area in
between.
If you have been denied home insurance coverage, contact us to find out more about the Texas Department of Insurance VIP
Inspector and VIP Insurance program. We are an approved Texas Department of Insurance VIP inspector. If we inspect your home
and it passes the VIP inspection, you cannot be denied home insurance coverage.
Contact us today at 281-216-1171 for your Four-Point Insurance Inspection needs or by request at:
www.atexinspects.com
SITE MAP
| ATEX Inspects is the leader of Houston Four Point Insurance Inspections - We have performed more 4-Point Home Inspections than any other Houston Inspection Company! |