In most cases, you cannot get home insurance without an inspection. Insurance carriers often require a 4-point inspection before issuing a policy, especially for older homes.
The 4-point inspection evaluates the condition of the four major systems:
- Roof
- Electrical system
- Plumbing
- HVAC (heating, ventilation, and air conditioning)
Insurance underwriters rely on this report to assess risk and determine eligibility. Without it, most carriers will not approve coverage.
While requirements may vary by company and state, having a current inspection ensures accuracy, protects you from denied claims, and makes the policy approval process smoother.
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