Important new changes have been made to the 4 Point Report in March of 2025. Because knowing these changes and the importance of submitting this to your insurance agent ASAP are vital to a smooth transaction. So here are the updates below:
🔧 Plumbing Updates
- Note the Location of the water heater, plus a photo of its TPR (Temperature Pressure Relief) valve
- Now collects ages for:
- Water heater
- Supply piping
- Drain system, with option to mark original, partially re‑piped, or fully re‑piped
- Expanded list of pipe materials (e.g. cast iron, ABS, PEX), and if PEX is used, inspectors must identify the year of installation. (Pre 2012 for PEX install may be problematic)
⚡ Electrical Updates
- Wiring types now separated into specific categories:
- Cloth Jacketed wiring (knob‑and‑tube and cloth‑jacketed)
- Cloth Jacketed w/Rubber‑insulated wiring
- Added a checkbox for copper‑clad aluminum wiring if present
- Single‑strand aluminum wiring now requires licensed electrician remediation documentation and certification
🏠 Roof Updates
- If visible leaks are noted (in attic or interior ceilings), inspectors must provide detailed descriptions—location, size, and suspected source.
📋 Summary of Important 4 Point Changes Table
| System | Updated Requirements |
|---|---|
| Plumbing | Water heater location/photo; age of heater, supply and drain piping; pipe material & year PEX was installed |
| Electrical | Wiring classification (Cloth Jacketed Vs Cloth Jacketed w/Rubber Insulation); copper‑clad aluminum; remediation permits for aluminum wiring |
| Roof | Mandatory narrative description of leaks—location, size, source |
🛠 AND Why It Matters
- Better underwriting insights: Detailed info on leak severity and modern plumbing/electrical risks improves risk evaluation.
- Documentation readiness: Homeowners and agents should gather records — installer receipts, PEX install date, remediation certificates.
- Inspector compliance: To meet these standards, inspectors must capture photos (like the TPR valve), accurately label wiring types, identify PEX Install date, what type of drain piping is present and describe roof leak details.
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