Four-Point Inspection in Charleston, SC
Required by Many Insurance Carriers for Older Homes
If you are trying to insure a home that is 20 to 25 years old or older in the Charleston area, your insurance carrier may require a four-point inspection before they will issue or renew a policy. A four-point inspection is a focused review of the four major systems that carry the most insurance risk: the roof, electrical system, plumbing, and HVAC. Elite Home Inspection LLC performs four-point inspections for homeowners, buyers, and real estate agents throughout Charleston and the surrounding region.
South Carolina’s insurance market has tightened significantly in recent years, particularly for coastal and older properties. Carriers want to know the approximate remaining life of the roof, whether the electrical panel is a known fire risk brand like Federal Pacific or Zinsco, whether there is polybutylene or galvanized plumbing, and whether the HVAC systems are functional. Matt Bendix documents all four systems clearly and delivers the report the same day.
What the Four-Point Inspection Covers
- Roof: covering type, approximate age, and visible condition
- Electrical: panel brand and type, wiring type, and any visible deficiencies
- Plumbing: supply pipe material, drain pipe material, and visible condition
- HVAC: system type, approximate age, and operational status
When You Need a Four-Point Inspection in Charleston
Common scenarios include: purchasing an older home and needing insurance bound before closing, renewing a policy on a home over 25 years old, switching insurance carriers, or addressing a carrier’s request after a policy review. In Charleston’s older neighborhoods like Wagener Terrace, Avondale, Byrnes Downs, and North Central, four-point inspections are a routine part of the real estate transaction process.
Matt Bendix provides four-point inspections in the format required by South Carolina insurance carriers, with clear photos and findings. Call (864) 809-7869 to schedule, often with same-day or next-day availability.
Schedule Your Inspection Today
Call or text Matt Bendix directly. Same-day and next-day appointments available across the Charleston area.