Yes — in many cases, insurance companies require an inspection before issuing or renewing a policy. This is often called a 4-point inspection, which focuses on four key areas of the home:
- Roof
- Plumbing
- Electrical system
- HVAC (heating, ventilation, and air conditioning)
The goal is to confirm that these critical systems are in safe, working condition. While requirements vary by state and insurance provider, most agencies use a 4-point inspection for older homes or when switching carriers.
Even if it isn’t required for your policy, getting an inspection can give you peace of mind and may even help you qualify for better coverage.
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