"Many insurers require a four-point inspection before writing or renewing a policy on an older home. Tom delivers the focused report they need — roof, electrical, plumbing, and HVAC."
A four-point inspection is a focused evaluation of a home's four major systems — roof, electrical, plumbing, and HVAC — that insurance companies commonly require before issuing or renewing a policy, especially on homes 25+ years old. Tom Cely provides clear, insurer-ready four-point reports across the CSRA, documenting the age, condition, and any concerns with each system so you can secure coverage without delay.
Tom evaluates and documents the four systems insurers care about: the roof (age, covering, condition, remaining life), the electrical system (panel, wiring type, hazards), the plumbing (supply and drain materials, water heater, leaks), and the HVAC (age, type, condition).
The findings are compiled into the insurer-ready format your carrier expects, with photos and clear notes on the age and condition of each system.
A four-point inspection is narrower than a full home inspection — it exists specifically to answer the insurance company's questions about the systems most likely to cause a claim.
Insurance companies use four-point inspections to assess risk on older homes. The roof, electrical, plumbing, and HVAC are the systems most likely to fail and generate a claim, so carriers want to know their age and condition before they agree to cover the home.
Without a satisfactory four-point report, many insurers won't write or renew a policy on a home 25+ years old — which can hold up a closing or leave you scrambling at renewal time.
A clear, professional report from a credentialed inspector helps your coverage move forward smoothly. Tom documents each system objectively so your carrier gets exactly what it needs.
You'll typically need one when buying or insuring a home that's 25+ years old, when a carrier requests it at renewal, or when switching insurance providers on an older home.
It's common for the request to come during a real estate transaction, when the buyer's insurance quote is contingent on a four-point report. Scheduling promptly keeps your closing on track.
If you're not sure whether you need a four-point inspection or a full home inspection, Tom can help you figure out which one your situation calls for.
From your first phone call to the report in your inbox — clear communication and no surprises at every step.
Call Tom at 706-840-4907. We'll answer your questions and book a time that fits your timeline.
Tom performs a careful, focused evaluation, documenting every finding with clear, high-resolution photos.
You receive a detailed, jargon-free report — typically within 24 hours — plus a summary of the major points.
Tom explains what was found and answers your questions, so you know exactly where you stand.
An inspection is only as good as the inspector behind it. Tom's experience and credentials make the difference.
A South Carolina licensed Residential Home Inspector who inspects per the ASHI Standards of Practice on every job.
Real-world experience built since 2014 across the CSRA — and the eye for detail that comes with it.
15+ years in residential and light commercial construction quality control informs every inspection Tom performs.
Plain-language reports with high-resolution photos and a field summary of the major points.
A four-point inspection focuses only on roof, electrical, plumbing, and HVAC for insurance purposes. A full home inspection is a complete top-to-bottom evaluation for buyers. If you're buying an older home, you may need both.
Carriers use four-point reports to assess the risk of insuring an older home. The four systems are the ones most likely to cause a claim, so insurers want their age and condition documented before writing or renewing coverage.
Four-point inspections are focused, so turnaround is fast — typically within 24 hours of the inspection, in the format your insurer expects.
Yes — wind mitigation is a separate insurance inspection that can lower your premium. Ask Tom and he can let you know whether it applies to your home. (Credential/authorization number to be added.)
You're welcome to be. Afterward, Tom provides an informative field summary of the major points and answers any questions or concerns you have, so you understand the findings clearly.
Call or text Tom directly at 706-840-4907, or use our contact form. Tom personally handles all scheduling and is happy to answer any questions before booking.
SC License RBI 48737 • Certified Residential Mold Inspector • 3,000+ Inspections • Serving the CSRA Since 2014