If you have an older home in the Phoenix metro area—and are renewing your homeowners insurance—you’ve probably heard the term “4-point inspection.” But what exactly is a 4-point inspection, and why does it matter?
At Vannier Home Inspections, we specialize in thorough, accurate 4-point inspections across the greater Phoenix area. Whether you’re in Tempe, Mesa, Scottsdale, Glendale, or Chandler, understanding this essential inspection can help you protect your investment and meet insurance requirements.
What Is a 4-Point Inspection?
A 4-point inspection is a targeted evaluation of four key systems in a home:
- Roofing System
- Electrical System
- Plumbing System
- HVAC (Heating, Ventilation, and Air Conditioning) System
This inspection is not the same as a full home inspection. Instead, it’s a more focused assessment often required by insurance companies—especially for homes over 25 years old. Its goal is to determine the condition and lifespan of critical systems that could pose insurance risks.
Why Do Insurance Companies Require 4-Point Inspections in Arizona?
Arizona’s unique climate—intense summer heat, monsoon storms, and dry air—puts a lot of stress on a home’s infrastructure. Insurance providers use 4-point inspections to assess risk. If your home has an outdated electrical panel, an aging roof, or deteriorating plumbing, your insurer may raise your premium—or deny coverage altogether.
At Vannier Home Inspections, we work with both homeowners and insurance companies to ensure these inspections are completed accurately and professionally.
What Each Point Covers
1. Roof Inspection
- Roof age and material (tile, shingle, flat)
- Evidence of leaks or previous repairs
- Remaining useful life
- Proper ventilation
Phoenix Tip: Tile roofs are common in the Valley but may still suffer under extreme UV exposure. A cracked tile or worn underlayment can lead to costly water damage during monsoon season.
2. Electrical System Inspection
- Main electrical panel brand and condition
- Type of wiring (aluminum vs. copper)
- GFCI/AFCI protection
- Proper grounding and bonding
Did You Know? Older homes in Phoenix often have Federal Pacific or Zinsco panels, which are fire hazards and usually flagged by insurance companies.
3. Plumbing System Inspection
- Pipe materials (galvanized, copper, PEX, etc.)
- Water heater age and condition
- Evidence of leaks or corrosion
- Functional fixtures and shutoff valves
Local Insight: In older homes in historic Phoenix neighborhoods, galvanized steel pipes are common and prone to corrosion and leakage, triggering insurance red flags.
4. HVAC System Inspection
- System age and type (central AC, heat pump, etc.)
- Functionality and condition
- Ductwork integrity
- Signs of leaks or mold
Phoenix Fact: Efficient HVAC systems are critical in our 110°+ summers. A failing or outdated system could be a major liability—and an insurance concern.
Who Needs a 4-Point Inspection?
You may need a 4-point inspection if:
- You’re buying an older home in Phoenix or surrounding cities
- Your insurance provider requires it for policy approval
- You’re renewing or changing your homeowner’s insurance
- You want peace of mind about your home’s core systems
Why Choose Vannier Home Inspections?
At Vannier Home Inspections, we bring local expertise, licensed professionals, and same-day reports to every 4-point inspection. Our certified inspectors know the Phoenix housing market and its unique challenges, from aging Adobe-style homes to newer developments in the East Valley.
Our Advantages:
- Fast turnaround for insurance documentation
- Detailed, photo-supported reports
- Affordable, transparent pricing
- Available across Phoenix, Scottsdale, Chandler, Mesa, and beyond
Schedule Your 4-Point Inspection Today
Don’t wait until your insurance is denied or delayed. Whether you’re buying, selling, or simply updating your policy, a professional 4-point inspection from Vannier Home Inspections can save you time, money, and stress.
👉 Call us today at (480) 626-3569 or book online to schedule your inspection in the Phoenix metro area.