4-POINT Inspections
Insurance Inspections For Your Home
4-Point Insurance Inspections in Santa Clarita
When you’re securing or renewing homeowners insurance in the Santa Clarita area, many insurance carriers require a 4-Point Insurance Inspection to assess your home’s major systems before underwriting your policy. At Dean’s Home Inspection Services, we provide fast, professional, and thorough 4-Point Inspection reports that meet insurer requirements and help simplify the process so you can get the coverage you need.
What Is a 4-Point Insurance Inspection?
A 4-Point Insurance Inspection is a focused evaluation of the four key systems that most influence your home’s insurability:
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Roof System – age, condition, visible damage, and remaining service life.
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Electrical System – panel type, wiring, grounding, and safety considerations.
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Plumbing System – pipe materials, leaks, fixtures, and water heater condition.
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HVAC System – heating and cooling equipment condition and operation.
This inspection is not a full home inspection, but instead a targeted look at the systems insurers care most about to determine risk and coverage eligibility.
Why Your Insurance Company May Require It
Insurance companies use 4-Point Inspection reports to understand potential hazards and estimate future risk for your home. Because older systems are more likely to fail — leading to costly claims — insurers often ask for this inspection when:
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You’re purchasing a new homeowners policy
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Your policy is up for renewal
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Your home is several decades old
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Your insurer updates their underwriting requirements
A clear, professional report helps you demonstrate the condition of your home’s major systems, which can streamline approvals or clarify necessary repairs.
What Happens During the Inspection
Our certified home inspector will conduct a visual evaluation of each system, documenting:
✔ Roof age, materials, and overall condition
✔ Type and functionality of electrical panels and wiring
✔ Plumbing layout, pipe materials, and signs of leaks
✔ HVAC system operation and estimated lifespan
We’ll compile the findings into a report you can submit directly to your insurance company or agent — helping you save time and reduce stress.
4-Point Insurance Inspection FAQs
Q: How long does a 4-Point Inspection take?
A: Most 4-Point Inspections take about 1–2 hours, depending on the size and condition of the home.
Q: How much does a 4-Point Inspection cost?
A: Prices vary by location and home size, but are generally less than a full home inspection since the scope is limited to four major systems.
Q: Can my home “fail” a 4-Point Inspection?
A: A 4-Point Inspection doesn’t use a pass/fail score — it documents the condition of key systems. However, insurers may decline coverage or require repairs based on what’s found.
Q: Is a full home inspection the same as a 4-Point Inspection?
A: No. A full home inspection is more comprehensive and covers many more components of the home beyond the four systems required for insurance.
Q: Who needs a 4-Point Inspection?
A: Typically, homeowners securing or renewing insurance — especially on homes older than 15–20+ years — may be asked by their insurer to provide this report.
Q: What should I do if issues are found?
A: If problems surface in your report, fixing them proactively can improve your home’s condition and help with insurance eligibility — your inspector can help explain common issues.
If you’re preparing for insurance or just want peace of mind about your home’s critical systems, schedule your 4-Point Inspection with Dean’s Home Inspection Services today!
Benefits of Choosing Dean’s Home Inspection Services
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Experienced Licensed Inspector – Local knowledge of Santa Clarita homes and insurance requirements.
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Clear, Easy-to-Understand Reports – Designed for homeowner clarity and insurer acceptance.
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Professional Service With Integrity – We treat every home like our own.
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Fast Scheduling & Delivery – Get your inspection and report efficiently when timing matters most.
OUR SERVICE AREA
SANTA CLARITA 4-POINT INSPECTIONS & LOS ANGELES COUNTY
Providing the premier home inspections in Los Angeles County, including Santa Clarita, Bradbury, Irwindale, Hidden Hills, Vernon, La Habra Heights, Avalon, Sierra Madre, Hawaiian Gardens, San Marino, Rolling Hills, Rolling Hills Estates, Lomita, South Pasadena, El Segundo, Hermosa Beach, Malibu, Maywood, Duarte, Manhattan Beach, La Cañada Flintridge, Signal Hill, Bell Gardens, Commerce, La Verne, Artesia, Monrovia, La Puente, Temple City, Lawndale, Covina, San Fernando, South El Monte, Cudahy, Montebello, Agoura Hills, Santa Fe Springs, Bellflower, West Hollywood, Claremont, Alhambra, San Dimas, Rosemead, Gardena, Huntington Park, Monterey Park, Baldwin Park, Paramount, El Monte, Carson, Redondo Beach, Lynwood, Glendale, Hawthorne, Burbank, Bell, Azusa, Torrance, Inglewood, Palos Verdes Estates, Rancho Palos Verdes, West Covina, Lancaster, Palmdale, Norwalk, Long Beach, Pasadena, Santa Monica, Pomona, Downey, Whittier, South Gate, Compton, Arcadia, Glendora, Cerritos, Diamond Bar, Lakewood, Lynwood, La Mirada, Culver City, Pasadena, Montebello, Monrovia, Paramount, and Los Angeles