How to Look

at a House

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We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

    There are three possible outcomes when a 4-point report is submitted to the company:

  1. 1)It is approved.

  2. 2)Coverage is denied because of one or more significant defects that are likely to cause a claim in the future, such as an older roof with an active leak.

  3. 3)Coverage is approved with the stipulation that specific problems be repaired or replaced within a certain time frame, usually 30 days.

    While one company may decline to insure a property because of a defect, another insurer might issue the policy and stipulate a deadline for submitting proof of repairs for the same defect.

    If you want to see what a 4-point form looks like, click on either of the two images below to download and view. The left one is from Citizens Insurance, which is the form most likely necessary for Florida homes 50-years and older, and the one on the right is a NACHI generic form that is accepted by many insurance companies

While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
© McGarry and Madsen Inspection

More Blog Posts on Similar Subjects:

  1. How do I get insurance if my home can’t pass a 4-point inspection?

  2. Why did I get no discounts or only a small discount from my wind mitigation inspection?

  3. Why does my insurance company want a roof letter?

  4. Do I need a home inspection to get insurance?

  5. Should I buy a house that needs a new roof?

  6. The seller has to fix everything you find wrong with the house, right?

  7. What are “shiners” and why did they make me lose my insurance discount?

  8. How do I find a good contractor in Gainesville?

  9. Can I do my own home inspection?

  10. What’s the difference between a roof inspection and a roofing estimate?

  11. Are you licensed and insured?

  12. How can I lower my homeowners insurance cost?

  13. Should I be there for the inspection?

  14. How can I prep my house to get a better inspection?

  15. My insurance agent says to get a “Wind Letter.” Can you do that for me?

  16. Should I hire an engineer to inspect the house?

  17. Does the home inspector also check for termites?

  18. Will a house without air conditioning pass a 4 point inspection?

  19. What questions should I ask a home inspector I’m considering hiring?

  20. Should a home inspection scare you?

  21. Can I do my own wind mitigation inspection?

  22. What different types of specialized inspections can I get?

  23. What are the questions a home inspector won’t answer?

  24. What kitchen appliances are required to pass an FHA inspection?

  25. Should I use my realtor’s home inspector or choose one myself?

  26. What is the difference between a clip, single wrap, and double wrap for the wind mitigation form?

  27. When did the first Florida Building Code (FBC) begin and become effective?

  28. How is Citizens Property Insurance different from the other Florida homeowners insurance companies?

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