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I've had some repairs completed, how do I update my 4-Point inspection?

There are two ways we can help you get your 4-Point inspection so that you can obtain insurance.

First, we can visit the property for a re-inspection.

Second, you can provide us with all photos and paid invoices from licensed contractors for our review. If what you provide is sufficient, we’ll be able to update your 4-Point without having to revisit the property.

Why are certain Electrical Panels not approved by Insurance Companies?
Over the years, investigations have shown that the electrical panels branded with F.P.E., Zinsco, and Challenger have a higher risk of failing.

F.P.E. panels are flagged because many of them have defective breakers which can cause fires.

Zinsco and Challenger panels are flagged because they have issues with overheating that have been know to cause fires.

Why is cloth insulated wiring bad?
The cloth insulation that wraps the conductor (or metal wire) deteriorates over time and has been shown to have a higher risk of causing fires. Although in most cases the wiring itself normally be completely functional, insurance companies are not interested in the added risk associated with it. This wiring can most commonly be found in buildings that were constructed in the 1990’s.
Why is Aluminum branch circuit wiring bad?
Aluminum as a metal expands and contracts at a higher rate than other electrical conductors. This expansion and contraction can lead to loose wire connections. Additionally, when aluminum wiring is connected to wiring that uses a different metal type, such as copper; oxidation, increased resistance, and increased heat can occur which can all lead to a fire.
Why are cast drain pipes bad?
Although Cast Iron drain pipes are very durable, over time they can rust. Rust can reduce the flow of water and in extreme cases can cause the pipes to collapse. Additionally, tree roots that interfere with rigid cast iron can cause breakage and severe leaks if left unchecked.
Why is Polybutylene piping bad?
Polybutylene piping was used in homes from around 1975-1995. They are made from a plastic resin and were thought to be a cheap alternative that would last longer than other materials that were being used.

However, over the years it has been found that the materials they are made from are not strong enough to withstand common disinfectants that are found in the water supply, and the metal connectors used at joints oxidize and can cause swelling that leads them to break. Many homes with polybutylene piping have dealt with widespread flood damage.

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