At Freeman Home Inspections, we specialize in 4-point inspections designed to meet the requirements of insurance providers. If you're purchasing an older home, renewing your policy, or switching insurance companies, chances are your provider will request a 4-point inspection before issuing coverage.

A 4-point inspection is a focused evaluation of the four primary systems that insurance companies care most about due to their impact on risk and liability: the roofing, electrical, plumbing, and HVAC systems. Unlike a full home inspection, this limited-scope evaluation is designed to document the age, condition, and functionality of these systems — identifying any issues that might pose a concern for insurers.

What Insurance Companies Want to Know:

• Roofing System
  We document the roof’s age, type, general condition, and any signs of current or past leaks. Insurance providers want assurance that the roof is in good shape and won’t lead to claims in the near future.

• Electrical System
  Our inspection identifies the type of wiring (e.g., copper, aluminum, knob-and-tube), condition of the main panel, and any visible hazards such as double-tapped breakers or outdated equipment that could increase fire risk.

• Plumbing System
  We assess the age and material of the supply and drain lines, the condition of the water heater, and check for signs of active leaks or corrosion — all of which can raise red flags for insurers.

• HVAC (Heating & Cooling) System
  We verify that a functioning, central heating and cooling system is in place, note the system’s age, and look for signs of deterioration or improper installation.

Why Insurance Companies Trust 4-Point Reports from Freeman Home Inspections

With over 2,000 inspections completed and InterNACHI certification, Freeman Home Inspections understands what insurance underwriters need to see. Our reports are detailed yet straightforward, professionally formatted, and delivered promptly — helping you and your agent avoid delays in the underwriting process.

Whether you're a homeowner looking to meet insurance requirements or an agent needing a reliable inspection partner, we’re here to help make the process fast, smooth, and accurate.

Get your 4-point insurance inspection scheduled today — and get one step closer to the coverage you need.