Insurance
The 4-Point Inspection and What It Says About Your Roof
Older homes often cannot get insured without one, and your roof is one of the four points. Right now the inspection is included with a new roof from us.
Limited time offer 4 point home inspection or wind mitigation with any new roof See what is includedA 4-point inspection looks at four systems: the roof, the electrical, the plumbing, and the heating and cooling. Insurers commonly ask for one on an older home before they will write or renew a policy. The roof section reports its condition, and a poor roof line can hold up the whole policy.
It is not a code inspection and it is not a home inspection — it is a short report on the condition and age of four things an insurer cares about.
The inspection is on us with a new roof
Right now, a new roof from us comes with a 4-point inspection or a wind mitigation inspection included — your choice of the two. That is the same inspection described on this page, and the one an insurer asks for. If you are replacing a roof anyway, having the inspection done at the same time saves you arranging it separately, and the report is in your hands while the work is still fresh. Ask about it when you call, because it is a limited-time offer rather than a permanent part of the price.
What the roof section actually says
It records the covering type, its approximate age, its visible condition, and the inspector's view of how much serviceable life is left. That last line is the one that decides how an underwriter reacts, and it is a judgment, not a measurement.
Why insurers ask for it on older homes
The threshold varies by carrier, so there is no single age at which it kicks in. The reasoning is the same everywhere though: the four systems named are the ones that cause the most expensive claims when they fail, and age is the cheapest available signal of risk.
A bad roof line can hold up the whole policy
The four sections are not weighed equally in practice. A roof reported as at or near the end of its life is the most common reason a policy is declined or made conditional, because it is the item most likely to produce a claim in the next few years.
What to do if the report goes against you
Ask exactly what the inspector wrote, not just the outcome. Sometimes the finding is specific and fixable — flashing, a failed section, a few slipped tiles — and a repair plus a re-inspection resolves it. Sometimes it genuinely is age, and the answer is a replacement. Those are very different bills, so it is worth knowing which one you are looking at.
Get your own look before you accept a verdict
An inspector spends a short time on a whole house. A roofer looking only at the roof will tell you more about the roof. If a report says your roof is finished and you are not sure, a second opinion costs you nothing with us and may save a replacement.
Keep the paperwork
Keep the report, the permit history and the invoices for any roof work. The next time an underwriter asks, documentation of a permitted, inspected roof is worth more than your description of it.
We will look at your roof and tell you honestly whether it needs repair or replacement before you spend money on either. No cost, no obligation — and if you do go ahead with a new roof, the 4-point or wind mitigation inspection is included while the offer lasts.
Want this looked at on your own home?
Let our experts look over your property—no cost, no obligation.