4-Point Insurance Inspections
If the home you are purchasing is over 30 years old, the homeowner's insurance company, you may want a 4-point inspection performed. This is an inspection of the roof, electric, plumbing and heat systems in the home. It is not as involved as a full home inspection, but tells the insurance company the condition of these items to access their risk. Roofs that have less than 3-5 years useful life left may need replacement, and Federal Pacific breakers in the electric panels are a hazard, and will probably require replacement by the insurance company.
New Home Inspections
When purchasing a new home, many buyers feel that the home has been thoroughly inspected by the builder AND the city or county. That may be true, but in one expose' on county building inspectors, it was found they claimed to have inspected over 50 homes in one day. If that is true, they cannot be inspecting any home thoroughly and that is confirmed by many of the things found when inspecting a brand new home! I have found shingles improperly installed, and off-ridge vents that had no roofing tar applied around the vents! Also a home built with NO ROOF VENTS, and others with NO INSULATION! I have also found a home with the supply water line under the dishwasher dis-connected (running water under the cabinet) and hot water lines connected to the icemaker and toilets!