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What Is a 4-Point Inspection and Does My Atlanta Home Need One?
- Tyler Reynolds
- Jun 20
- 3 min read
When buying or insuring a home in Atlanta, Georgia, you may be asked to provide a 4-point inspection report. While not as exhaustive as a full home inspection, a 4-point inspection focuses on four critical systems: HVAC, electrical, plumbing, and roofing. If you’re navigating the real estate market in Atlanta or surrounding suburbs like Marietta, Decatur, or Sandy Springs, understanding this inspection type is essential for smooth transactions and maintaining homeowner peace of mind.
What Is a 4-Point Inspection?
A 4-point inspection is a focused evaluation of the four major systems in a home:
HVAC (Heating, Ventilation, and Air Conditioning)
Electrical System
Plumbing System
Roofing
These are typically the most expensive and risky areas for insurance companies and homeowners alike. Unlike a general home inspection that covers the entire property from structure to finishes, a 4-point inspection zeroes in on these key areas to determine functionality, age, and potential hazards.
Why Are 4-Point Inspections Common in Atlanta?
Atlanta’s housing stock includes many homes built before the 1980s. Insurance providers often request 4-point inspections on older homes to assess risk. Georgia’s humid subtropical climate also contributes to faster wear and tear on roofs and HVAC systems, which increases the importance of focused evaluations.
Key Areas of Concern in the Atlanta Metro Area:
Roof damage from frequent storms and heat
HVAC inefficiencies due to age or inadequate maintenance
Outdated electrical panels (like Federal Pacific or Zinsco)
Old galvanized plumbing prone to rust and leaks
What Inspectors Look for in Each Category
1. HVAC System:
Functionality (heating and cooling capabilities)
Age of the system
Type of unit (heat pump, furnace, etc.)
Signs of rust, poor airflow, or lack of maintenance
2. Electrical System:
Panel brand and amp capacity
Wiring types (knob-and-tube or aluminum can be red flags)
Presence of GFCIs where needed
Exposed wiring or double-tapped breakers
3. Plumbing System:
Pipe materials (polybutylene, galvanized, copper, PEX)
Water heater age and safety components
Visible leaks, corrosion, or code violations
4. Roof:
Estimated age of roofing materials
Presence of leaks, flashing issues, or soft spots
Proper ventilation (especially in Georgia’s humid climate)
When Do You Need a 4-Point Inspection in Atlanta?
Home is 30 years or older
Required by insurance for policy issuance or renewal
Requested during a real estate transaction
Insurance providers like State Farm, Allstate, and Progressive often require a 4-point report before binding coverage on older homes in Georgia.
Benefits of Getting a 4-Point Inspection
Helps you qualify for homeowners insurance
Identifies critical safety hazards before they become expensive problems
Gives you leverage during negotiations
Ensures your home meets Georgia building codes
Local Insight: Marietta, Smyrna, Roswell, and Beyond
Homes in areas like Marietta and Roswell often have original 1960s-1980s components that may not meet modern code. In Smyrna, recent renovations might conceal outdated systems, so a 4-point inspection helps verify safety. Even newer homes in Kennesaw or Sandy Springs can benefit when insurance carriers require proof of up-to-date systems.
Common FAQs About 4-Point Inspections in Georgia
Q: Can I perform my own 4-point inspection?
A: No. Insurance companies typically require the report be filled out by a licensed home inspector.
Q: Does a 4-point inspection include a mold test?
A: No. It’s limited to HVAC, electrical, plumbing, and roofing. Mold and moisture require a separate inspection.
Q: How much does a 4-point inspection cost in Atlanta?
A: Typically ranges from $125–$200, but may vary depending on the size and age of the home.
Q: How long is the inspection valid?
A: Most insurance companies accept 4-point reports that are less than a year old.
Q: What happens if something fails?
A: The home may need updates to qualify for insurance. Some providers offer conditional coverage until repairs are made.
Conclusion: Don’t Wait to Schedule a 4-Point Inspection
Whether you’re selling a home, buying an older property, or trying to renew your insurance in Atlanta, a 4-point inspection is often a necessary step. Don’t let outdated systems derail your transaction or cost you higher premiums.
For trusted, comprehensive 4-point inspections in Marietta, Atlanta, Decatur, Smyrna, and beyond, contact Reynolds Home and Property Solutions. We understand Georgia’s climate, local codes, and what insurance carriers expect.
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