I was just asked to do a 4 point Inspection on a 2006 home. The frantic client said two insurance companies told her she needed a 4 point Inspection before they could insure the home she is closing on next week.
Have requirements for a 4 Point Inspection changed with insurance companies on homes 30 yrs or older?
I just heard State Farm requires 4 Point Inspections on homes 10 yrs and older.
Welcome back to our forum, Richard!..Enjoy! 
Insurance underwriting standards change all the time.
Lately, many of my clients are getting letters demanding additional insurance reports, even newer homes.
Yes, they actually have and in Florida it has happened even more just because of electrical/hvac
With Central Florida, especially, having so many FPE, Challenger and Sylvania panels, they have made it very common even though I have not seen a house outside of the 80s have the FPE panel for obvious class action lawsuit problems. It also depends on the area. I was told those close to the coasts may have more requests to ensure that when they insure a house it is sound and can weather what it should
Welcome to our forum, Josh!..Enjoy!
Just did one…same thing…At least they still accept the Citizens form.
I remember saying 10 years ago that eventually, the insurance companies would start to require 4 point inspections on every home. Looks like we are getting to that point…
Just curious, how long does a typical 4 point take?
Generally 45 minutes to an hour. Depends on the size and complexity of the home.
That depends…
I have heard of some, that take 15 minutes.
Citizens has a program, where the homeowner takes the required photos, and the report gets submitted.
My stand alone 4-points take at least 2 hours…
On the other hand, when doing them in conjunction with the home inspection, no extra time. 