4 Point - Other Comments

I have a client who is buying an old home and the roof is shot. He is claiming that he needs a 4 Point showing the roof has at least 3 years left or no insurance - no sale.

The form states “When will the deficiencies be corrected?”

If he provides a “roofing contract” and I state on the form that it will be corrected immediately upon closing, will that help matters any?

You can try. It will be up to the underwriter.

What is “the Form” you are speaking of?

There is no uniform 4 point inspection form.

Each inspector makes up their own form. You can see mine at:

Maybe they need a citizens roof condition form?

What form are you using?

I use the “Approved Universal Four Point Insurance Inspection Nachi form

You should not be doing a mini home inspection for a 4 point.

What do you charge for the mini home inspection?

Of course that is approved. Look at it this way if someone owed you 100 dollars would you approve payment of $10,000.00.

Way to much info in that form it ends up hurting clients and takes way to much time and effort from inspectors for what a 4 point is supposed to be.

I am not even sure Universal has officially approved it.
Insurance companies do not have to approve the forms in advance.

I suggest you use a form like the majority of those who have done them for a long time use.

Yes I know we have many fans of the NACHI form here but there are even more guys out there who would never use it they just keep their mouth shut :frowning:

I thought there was a newer version of that as the form you are using is from 2007.

The one I use doesn’t have the last page.
If there are leaks, rotted wood, etc. you are kind of stuck and so is your client.
On the other hand, if it is just “worn out” then perhaps there is some wiggle room.

I do know that on a four-point I did, there was no choice and the roof needed replacement as well as the FPE panel. The insurance company gave my client 90 days to make the corrections, which she did, so everything worked out.

Have your client call the agent and ask what they would be willing to do.

Thanks Mike, I may create a version similar to yours if that’s okay with you. I have not seen this home yet so I do not know it’s condition. I thought the Nachi form with the last page might give him the “out” that he needs to purchase the home. The home is over 50 years old and he stated that the insurance co. is requiring a Four Point.

You are more than welcome to use it in it’s entirety.

I wish a great many more would. :slight_smile:

Good Luck

Now would you please do me a favor and go to www.whogrowsit.com and check out the forum and become a registered user ? :slight_smile:

yes you can use the blank last page to add comments and repair dates if you reinspect after work has been done.
I would recommend using a close version of the NACHI form. Most NACHI members use this form…with logos and minor changes.
Although not required by anyone, if you chose to include the the roof info you described and a copy of roof contract it might help your homeowner.
As with all four points, it is all about the decision the underwriter makes using the info available to him

I use a form very close to the Nachi form. I don’t believe it is too much information. We include 2 pages of pictures. Our inspections are fair to our clients and are what the insurance companies are looking for. What most guys don’t realize is that the insurance companies also do reinspections of four points. If you do a short form you are not doing the client a favor. You could actually be wasting their money.

My question to the guys that say keep it short and sweet is how much do you charge and how long does it take you? When they have to take a day off to meet the insurance companies inspector is that fair to them, or would it be better for you to do it right and let them get the 30 days to make improvements. They will still be required to upgrade if need be but at least the wind have the hassle of the insurance companies inspector.

I have never been told of a 4 point reinspection yet. :slight_smile:

On a home I inspected.

Short and sweet like a 4 point is supposed to be.

I got my original form from State Farem and have only modified it a little.

Mine are free with the home inspection and my clients already know what they are going to have to change.

I suspect that the reason you and others can use the simple form is because you are a contractor and your license carries more weight than a home inspectors license. Half of the agents don’t even know home inspectors are licensed.

I think we covered the form aspect of this post and I think the one I came up with in one of the other posts was only one page with 12 questions.

I have another conspiracy theory about insurance companies and foreclosures…but I’ll keep that to myslef for now!:mrgreen:

I believe all Home inspectors have to do is post their electrical and maybe roofing certificate along with their license and i do not see any problems.

What amazes me is that Contractors are also supporting the mini home inspections.
I just do not get it. It does no good for any inspectors or clients.

I think those types should just go get on the insurance companies payroll and work directly for them. Oh wait I guess they kind of do already. To bad for their clients.

Just because you never new that the insurance company comes behind you does not mean that it doesnt happen. I always found in business we you dont provide a complete product the consumer doesnt normally call you back because the assume why should they. We go behind the insurance company all the time after they reinspect four points and I always ask why they diodnt call their first inspector, they always say “why should we”.

Eric I see you give them for free with your home inspection…

I already have all of the information from the home inspection. Why would I charge my clients extra for something I have already done? Same thing for a roof cert.

I would note that the property owner has a contract to replace the roof. Then I would attach the contract. The existing shot roof would get a 0 year life expectancy.