What does a 4-Point look for?

4-Point Inspection Basics

With insurance companies tightening underwriting guidelines each year needing to get a 4-Point Inspection is becoming more commonplace. A 4-Point Inspection should only be performed when requested by your insurance company to obtain a new policy or renew an existing one.

The 4-Point Inspection gets its name from the fact that we report on four systems of the home. During your inspection we will review the Roof, Plumbing, Air Conditioning and Electrical Panels. With this information an underwriter can determine whether the home qualifies with their underwriting guidelines.

It’s important to understand these are not exhaustive inspections, meaning this inspection is limited to a visual inspection of the components in the home. Let's explain more by each section:

Roofing-

Our preferred method of review is from the roof deck, but we may need to review the roof from a ladder if unsafe to review from the deck or too high to reach with our ladders. Underwriters are generally looking for the roof to be in good condition, without deficiencies, and have 3 years or more of estimated life. Underwriting guidelines however can change over time or by company. 

Plumbing-

Here we are tasked to show photos of your water heater and it’s ID label, as well as the plumbing which exits the walls behind sinks and toilets. This section reports on the estimated life expectancy and condition of the plumbing which distributes water around the home as well as Water Heater. Companies are concerned with the type of plumbing materials used in the home and condition of the water heater based on the age found on its ID label. 

HVAC-

Here we observe the condensers and air handlers to determine condition and review the ID label to determine the age of the unit. Insurance companies want to know that the units are working and have a life expectancy of at least 3 years. If no ID label exists we may be able to find public records of the installation of the units, or determine the age based on its physical appearance. 

Electrical-

While going throughout the residence we will stop to photograph your main electrical panel and sub-panel if one exists. This is to show the manufacturer of the panel and the use of fused panels. We will also remove the panel(s) cover to review the wiring behind it. Companies are mostly concerned with the manufacturer of the electrical panel, use of copper or aluminum branch wiring and whether the home uses circuit breakers or fused panels.

By improving the physical layout of hospitals and medical facilities, we can enhance and increase safety mechanisms, improve care, and help reduce the exposure to medical errors, writes Skanska USA’s Andrew Quirk.

By improving the physical layout of hospitals and medical facilities, we can enhance and increase safety mechanisms, improve care, and help reduce the exposure to medical errors, writes Skanska USA’s Andrew Quirk.

Ask any construction business professional or an architect if they suffer from tantrums when penning their contract drawings, and you are more than likely to hear an enthusiastically frustrated, “YES!” Oh yes, the old 2D contract drawings, also called “plans” or “blueprints” or just “drawings”… They were bulky, hard to read, and difficult to be read through in between the construction site and the office. But even with all of this newfangled 3D modeling and the virtual or augmented reality devices, these blueprints continue to bring the construction industry down! But actually, there’s one quite valid reason that they won’t go away anytime soon. It’s because they are a part of the contract for every entity involved with the project.

As construction professionals, we simply require at least one static version of a document, which clearly outlines our respective scopes of work. Subsequently, newer versions of these contract drawings emerge, as it happens for a majority of projects. Unsurprisingly, we struggle to keep up with all those full-sized and half-sized sets of paper plans and in keeping them updated accordingly.

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To understand how actually deep this issue is, imagine a project engineer who has just received an addendum to initial contract drawings, which replaces 50 of the 500 sheets in the set. Imagine him taking the three bolts out that bind the sheets together and then coping to locate where does exactly each sheet goes, leafing them in one by one, and then dog-earing and marking each outdated sheet as “VOID.” Think about how stupendous and monotonous a task like this is. Now imagine how would you feel if you were the manager of this project, who’s paying $50 per hour or more for the work. What’s worse, it’s not just a solo set of prints your team needs to update. Can you imagine how many other teams on this project have to do the exact same thing for each change that comes out? This image is not only horrifying; it is costly, frustrating, and very unproductive. What you just pictured is the reality of contract documents. I’ve learned that the hard way, because I’m a project engineer. So why, with all of the digital drawing solutions available, are we still using paper at all?

The answer is that there are several use cases for viewing and manipulating (marking up) drawings. For example, tablets and smartphones are great for referencing while walking the construction site, while typical PC displays are fine for many tasks involving the drawings. Nevertheless, for some activities, such as takeoffs, group discussion, or even “studying the project,” construction professionals tend to prefer a full-scale format, in which we can view larger portions or all of the drawings without excessive zooming in or panning.

Though the tool we now have available are touch-enabled LCD panels, provided by companies such as BoxLight and iPlanTables , which have served as a digital solution for large-sized drawings for several years and are good at what they do. However, to put a 70-100lb, the cart-mounted system in your office or cubicle may require some rearranging or may become impossible. That’s why so many constructions and architecture firms purchase just one or two to place in a centralized location in the office if they buy any of these at all.

Silhouette of construction worker

Resistance to behavioral patterns change is the main reason which attributes to the AEC industry being so slow in adopting to a new and better technology. That’s why what may resonate better with people like me is a paper-like experience, flat on your desk or plan table. However, using tried and true paper has its costs on today’s fast-paced construction business.