4-POINT HOME INSURANCE & ROOF CONDITION INSPECTION.
Binding or renewing homeowners insurance on an older home (15+ years) in Galveston, Brazoria, or Greater Houston? Carriers require licensed verification of your home's 4 highest-claim systems: Roof, Electrical Panel, HVAC, and Plumbing—delivered same-day with 4K Drone & FLIR® Thermal photo proof.
What Is a 4-Point Insurance Inspection—and Who Needs One?
Across Galveston County, Brazoria County, and Harris County, surplus-lines and private homeowners insurance carriers frequently refuse to bind or renew policies on homes 15 to 25+ years old without an independent 4-Point Inspection. Instead of inspecting cosmetic items or appliances, underwriters want timestamped, licensed proof that your roof, electrical panel, plumbing pipes, and HVAC are not imminent fire or water-claim hazards.
Inspector Mack • TREC #23070
Passing Your Texas 4-Point Insurance Inspection Without Policy Cancellation
Inspector Mack explains the exact 4 red flags coastal Texas insurance underwriters reject—and how to document recent roof, panel, or pipe upgrades.
"Buying an older home built before 2005? Add our +$125 Bundled 4-Point Insurance Report to your full Pre-Purchase Home Inspection! Your insurance broker gets a clean, dedicated 4-Point PDF without seeing 60 pages of minor cosmetic buyer negotiation notes."
Exactly What Is Checked in a 4-Point Insurance Inspection
Every report includes clear high-resolution photos, manufacturer serial/data-plate verification, estimated system age, remaining useful life, and pass/deficiency status formatted for insurance underwriters.
Roof Covering, Flashing & Remaining Life
We deploy 4K aerial drone imaging (or direct roof walk where safe) plus an interior attic decking moisture check to document roof material (architectural shingle, metal, tile, TPO), approximate age, granule retention, flashing integrity, zero active leaks, and estimated remaining service life (carriers typically require 3–5+ years remaining).
Main Breaker Panel, Brand & Branch Wiring
Dead-front cover removal + FLIR® thermal scan of your main service panel and sub-panels. We verify amperage capacity (100A/150A/200A+), confirm the absence of uninsurable panels (Federal Pacific Stab-Lok, Zinsco/Sylvania, fuse boxes), check for single-strand aluminum or cloth/knob-and-tube wiring, and document proper grounding/GFCI safety.
Supply Line Materials, Drains & Water Heater Age
Water damage is the #1 non-weather homeowners insurance claim. We verify supply piping material (Copper, PEX, CPVC vs. recalled Polybutylene or corroded Galvanized Steel), drain materials (PVC vs. Cast Iron), angle-stop valves for active drips, and water heater data-plate manufacture year, TPR relief valve, and drain pan.
HVAC System Age, Operation & Overflow Safety
We photograph condenser and air-handler/furnace serial plates, verify active cooling and heating operation ( verifying permanent primary heat source—space heaters/window units alone often fail underwriting), and check attic condensate drain pans and float cutoff switches that prevent ceiling water collapses.
4-Point Inspection vs. Full Home Inspection vs. TDI WPI-8 Windstorm
Homeowners and buyers in Galveston and Brazoria often hear all three terms. Here is the exact plain-English difference so you order the right report the first time:
| Inspection / Certificate | Who Asks For It? | What It Covers | Secured Inspections® Rate |
|---|---|---|---|
| 4-Point Insurance Inspection | Homeowners Insurance Carrier / Broker (homes 15+ yrs old) | Strictly Roof, Electrical Panel/Wiring, Plumbing/Water Heater & Central HVAC age/condition (4–6 page underwriter form) | $225 Standalone (+$125 Bundled) |
| Roof Condition Certification | Insurance Carrier questioning roof age only | 4K Drone Roof + Attic Decking leak scan + estimated remaining roof years | $195 Standalone |
| Full Pre-Purchase Home Inspection | Home Buyer during Texas Option Period | 600+ point TREC structural, foundation ZipLevel, roof, MEP, appliances, windows, doors + Free FLIR & Drone | $375–$665+ (By Home Sq Ft) |
| TDI WPI-8 / WPI-8-E Windstorm Certificate | TWIA (Texas Windstorm Insurance Association) on coastal Tier 1 properties | Issued only by TDI or a TDI-appointed Texas Professional Engineer (PE) verifying windstorm code compliance on new roofs/additions. (We check windstorm hardware & flag unpermitted roofs so you can verify WPI-8 history on TDI's portal!) | TDI / Appointed PE Only |
Frequently Asked Questions: Texas 4-Point Insurance Inspections
Q1How much does a 4-Point Home Insurance Inspection cost in Houston or Galveston?▼
At Secured Inspections®, a standalone 4-Point Homeowners Insurance Inspection is a flat $225 (includes 4K drone roof photos, FLIR electrical panel scan, and same-day PDF delivery). When bundled with a full Pre-Purchase Home Inspection, it is only +$125. A standalone Roof Condition Certification only is $195.
Q2What items cause a home to fail a 4-Point Insurance Inspection?▼
The most common insurance underwriting red flags are: (1) a roof with active leaks, curling shingles, or less than 3–5 years of remaining useful life; (2) recalled Federal Pacific (FPE Stab-Lok) or Zinsco breaker panels, exposed double-tapped lugs, or un-remediated aluminum/knob-and-tube wiring; (3) polybutylene plumbing, leaking galvanized steel supply lines, or an actively leaking water heater over 15–20 years old; and (4) no permanent central heating/cooling system.
Q3Is a 4-Point Inspection the same as a Texas WPI-8 Windstorm Certificate?▼
No. A 4-Point Inspection evaluates the current age and condition of your Roof, Electrical, Plumbing, and HVAC for standard and surplus-lines homeowners insurance carriers. A WPI-8 (or WPI-8-E) is a windstorm building-code certificate issued by the Texas Department of Insurance (TDI) or a TDI-appointed Professional Engineer for TWIA windstorm coverage in Tier 1 coastal counties.
4-Point Insurance & Roof Certification Rate Schedule
Transparent flat-rate underwriting reports accepted by Texas insurance brokers and carriers across Harris, Galveston, and Brazoria Counties.
4-Point Homeowners Insurance Report — Bundled with Home Inspection
+$1254-Point Homeowners Insurance Inspection — Standalone Appointment
$225Roof Condition & Remaining Life Certification (4K Drone + Attic Scan)
$195Seller Repair Re-Inspection (Verify Panel/Roof/Pipe Fix for Insurance)
$150Purchasing an older home? Bundle your 4-Point Insurance Report (+$125) with Termite WDI (+$115) in the calculator below to automatically unlock a -$50.00 Multi-Scope Shield Credit!
INSTANT QUOTE ESTIMATOR
Select your property size below for guaranteed Texas inspection pricing. Every full inspection includes our $350+ diagnostic suite (FLIR® Thermal, 4K Drone, ZipLevel®) at zero extra charge.
Entering your address transfers your property details directly into dispatch & Stripe checkout with zero re-typing.
- ✓FLIR® Thermal Imaging (Moisture & Hotspots — $150 Value)
- ✓4K Aerial Drone Roof Scan (Steep & 2-Story — $200 Value)
- ✓ZipLevel® Foundation Survey (Precision Elevation Delta)
- ✓Same-Day PDF Report (Guaranteed Delivery by 9:00 PM)
Need Your 4-Point Insurance Report Fast?
Reserve your morning or afternoon slot online with $0 deposit, or call our Texas City dispatch desk for urgent policy renewal deadlines.