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Inspect your home proactively before listing it to identify issues and sell faster.

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One of the most common questions that comes up during the home-selling process is who pays for a home inspection. A home inspection is an important part of a real estate transaction because it reveals the actual condition of the home and can help a buyer decide whether to purchase a property or not. In addition, a home inspection helps buyers, sellers, and real estate agents build trust with a seller and facilitates a smoother transaction.

In most U.S. real estate deals, a home buyer pays for a home inspection as part of their due diligence before making a purchase decision. In some cases, however, the cost of a buyer’s home inspection may be partially or fully covered by the seller, depending on the terms of the negotiation. In addition, a seller may pay for their own pre-listing home inspection.

This guide explains this standard practice in depth, including instances where exceptions may arise. Let’s dive in.

## When the Home Buyer Pays
For buyers, a home inspection ensures that they’re fully aware of a home’s condition. It helps uncover hidden problems (if any) with a home that may not be visible during viewing. These issues may include:
- Faulty electrical system
- Foundation cracks
- Leaky pipes
- Roof damage
- Mold
- Pest infestation and/or damage 

If the inspection reveals serious issues like these or others, the buyer can use that information to either back out of the deal or negotiate with the seller for credit or repairs.

![WIN Home Inspector with Clients.webp](https://d2nnm6ppct4rc3.cloudfront.net/WIN_Home_Inspector_with_Clients_55b0380284.webp)

## When the Seller Might Pay for an Inspection
Sellers can also arrange for a pre-listing inspection. This <a href="https://www.bankrate.com/real-estate/prelisting-inspection/" target="_blank">type of inspection</a> takes place before the seller officially lists the property. It’s a proactive way for sellers to identify and address problems prior to listing, which can mean a higher listing or offer price, a smoother sales transaction, and increased buyer interest.

When the seller receives the inspection report, they can use the findings to address major issues at their own pace. A pre-listing inspection can also make the property more attractive because it shows transparency to buyers.

## How Home Inspection Findings Can Influence Negotiations
Since a home inspection is part of a buyer’s due diligence, the buyer typically pays for it. If the inspection report reveals issues with the home, the buyer can back out of the contract if it includes a <a href="https://www.bankrate.com/real-estate/what-the-seller-can-do-after-a-homebuyer-backs-out/#why:~:text=As%20long%20as%20there%E2%80%99s%20an%20inspection%20contingency%20in%20place%2C%20%E2%80%9Cif%20any%20major%20issues%20come%20up%20during%20the%20inspection%20that%20the%20buyer%20was%20not%20made%20aware%20of%20during%20the%20homebuying%20process%2C%20they%20can%20walk%20away%20clean%20from%20the%20contract%20and%20will%20receive%20their%20earnest%20money%20back.%E2%80%9D%C2%A0" target="_blank">home inspection contingency</a>. Or they can use the findings as leverage during negotiations.

For instance, the buyer can ask the seller to lower the home’s sale price to account for the cost of repairs. Alternatively, they can request the seller to repair the issues before closing. In some cases, the seller may offer a cash credit at closing to help the buyer cover the cost of repairs.

If the seller agrees to any of these requests, it’s usually because they want to demonstrate good faith and expedite the deal. In other cases, it may be because buyers have plenty of options, so a seller may be willing to make a compromise to close the deal more quickly.

To be on the safe side, buyers should work with a professional real estate agent who can lead negotiations. An experienced agent will know what a realistic request is according to local market conditions.

![WIN_DamienDevine_12-202213.jpg](https://d2nnm6ppct4rc3.cloudfront.net/WIN_Damien_Devine_12_202213_869c102952.jpg)

## What About Additional Inspection Services?
A standard home inspection may not provide sufficient information for the buyer to make a reliable purchasing decision. Standard home inspections typically check for damage, malfunctions, and safety hazards to determine the overall condition of the home. It covers a home’s main systems and structures, such as:
- Foundation
- Doors
- Electrical
- Windows
- HVAC (heating, ventilation, and cooling)
- Plumbing
- Roof

Depending on the type of home and the typical conditions in the region, [specialized inspections](https://wini.com/articles/home-inspection-cost/#:~:text=In%20addition%20to%20a%20general%20home%20inspection%2C%20you%20might%20need%20certain%20specialized%20inspections.) may be advised. These types of inspections uncover issues that may not be visible during a walkthrough or even with a standard home inspection. They may include tests for:
- Mold
- Radon gas
- Water quality
- Sewer or septic conditions
- Termite damage
- Wind mitigation

Buyers should select additional services based on potential issues and their personal health needs. If they’re unsure about which services to select, they should consult with their inspectors, as they are familiar with the area. Buyers can also add services during the inspection if the inspector suggests them based on the initial walkthrough of the home.

Since these tests are generally considered add-ons, they can increase the [cost of a home inspection](https://wini.com/articles/home-inspection-cost/). However, repairs can be even more costly, and health problems associated with issues like mold may be far more expensive.

![WIN-86.jpg](https://d2nnm6ppct4rc3.cloudfront.net/WIN_86_1960676cd2.jpg)

## Use a Reliable Home Inspection Company
A home inspection is a crucial part of a buyer’s due diligence. It helps them fully understand the condition of the home they wish to purchase, beyond the property’s superficial appearance. Buyers must understand how well its systems are functioning and the issues that an attractive home may have, problems that even sellers might not be aware of. That’s why hiring the services of a reliable home inspection company like WIN Home Inspection is important.

At WIN, we go the extra mile after inspecting a home. We help buyers understand the findings by providing context and explaining terms in simple language. We also offer post-inspection support, so our clients can reach out to us for advice or clarification regarding the inspection report.

[Get in touch with us today](https://wini.com/contact-us/) with any questions you may have or to schedule an inspection.

## Home Inspection Payment FAQs

### 1. Do sellers receive a copy of the home inspection report?
Generally, no. Since the buyer pays for a home inspection, the report belongs to them. The buyer can choose to share the report with the seller or not. The same rule applies to a seller’s pre-listing inspection. The seller may share the report with the buyer to show transparency.

### 2. What is the biggest red flag in a home inspection?
Buyers should be cautious about proceeding with a home purchase if “red flags” or serious issues are found during a home inspection, including:
- Roof problems
- Foundation cracks, water damage, or other structural issues
- Mold
- Termite damage or infestation
- Plumbing issues
- Asbestos or lead paint in older homes
- Electrical problems
- HVAC concerns

### 3. What does it mean if a seller lists a home “as-is”?
“As is” means that the home is sold in its current condition, and the seller won’t make repairs should a home inspection reveal issues.

### 4. Can I attend an inspection?
Yes, buyers and real estate agents are allowed to accompany the home inspector. The inspector will point out home details, locations of items such as circuit boxes, and any problems that may be present. Sellers should ensure the property is accessible for the inspection process, but remain off-site otherwise.




Who Pays for a Home Inspection?

Confused about who pays for a home inspection? Explore real scenarios, prelisting checks, add ons, and how findings influence negotiations.

There are certain things you don’t want to see in your home: rodents, damaged wiring, asbestos, leaks, and, of course, the dreaded black mold.

Alarmingly, up to 47% of homes are impacted by black mold each year. You could be breathing in thousands of mold spores without even knowing it.

Black mold isn’t just unsightly; it’s a health hazard linked to respiratory issues, allergies, and even skin problems. That’s why we’ve created this guide on how to remove black mold, exploring DIY methods and cutting-edge black mold treatments to help you safely eliminate mold and prevent its return.

## Why Black Mold Is Harmful to Your Home and Health

![Black mold, scientifically known as Stachybotrys chartarum.png](https://d2nnm6ppct4rc3.cloudfront.net/Black_mold_scientifically_known_as_Stachybotrys_chartarum_8d4e920234.png)

Black mold can be one of several types of mold that stain walls dark green or black. One of the most well-known is Stachybotrys chartarum, a potentially toxic fungus that thrives in damp, humid environments. It’s often found in areas with water damage, such as near leaky roofs, flooded basements, or poorly ventilated bathrooms and attics.

Here are just a few ways black mold can affect your health and home.

### Respiratory Issues

A healthy home should be mold-free. Mold in the home is connected to potentially dangerous respiratory conditions such as asthma. Medical experts believe that when your airways are exposed to mold spores, they produce more mucus and constrict in reaction. For asthma sufferers, this can bring on symptoms ranging from discomfort to restricted breathing.

Allergies are another serious concern, with symptoms including:

- Coughing
- Wheezing
- Runny nose
- Inflamed, watery eyes
- Nausea
- Fatigue

Children and seniors could be particularly susceptible to mold-related illness, as can those with compromised immune systems

### Skin Problems

Skin irritation is another possible result of black mold infestation. If you normally have healthy skin but are suddenly experiencing dry, red, or flaky patches, you might want to test for mold. Of course, always consult your healthcare professional regarding any symptoms of illness.

### Structural Damage

As well as potentially making you and your family ill, mold can eat away at your home. The fungus feeds on organic materials like wood and drywall, weakening the structure over time. Mold can also stain surfaces, leaving behind unsightly marks that are hard to remove.

## Mold vs. Mildew: What’s the Difference?

According to the Environmental Protection Agency (EPA), both mold and mildew are terms for mold growth in a property. In most cases, mildew refers to early mold growth that appears as white or gray flat patches found in moist areas such as a bathroom or basement. Over time, mildew may darken and become similar to black mold.

If you notice pink or red mildew on your bathroom tiles or shower curtains, this is actually a type of yeast called Rhodotorula. Although usually harmless, it can cause illness in people with compromised immune systems. That’s why it’s so important to prevent or eliminate all types of fungal growth in your home.

## Assess the Infestation Size: How To Spot Black Mold

Identifying black mold and understanding the severity of the infestation is crucial to preventing its spread and minimizing health risks while protecting your home. Here are just a few ways to check for mold in your home.

### Visual Clues

A quick visual scan could uncover the following signs of black mold:

- Dark patches: Look for greenish-black or gray splotches on walls, ceilings, or floors.
- Water damage: Discoloration, bubbling paint, or warped surfaces could indicate mold growth underneath.
- Condensation: Mold loves moisture, so check areas with frequent condensation, like windowsills or pipes.

### Non-Visual Clues

Mold isn’t always visible at first, so look out for these symptoms:

- Musty odor: A persistent earthy or damp smell is a telltale sign of mold, even if you can’t see it.
- Health symptoms: If you or your family experience unexplained allergies, respiratory issues, or headaches that improve when you leave the house, mold could be the culprit.

### Common Problem Areas

If you want to make sure black mold isn’t an issue, check these areas.

- Bathrooms: Check behind toilets, under sinks, and around shower grout.
- Basements: Inspect corners, near sump pumps, and around windows.
- Kitchens: Look under the sink, around the dishwasher, and near the refrigerator.
- Attics: Examine roof leaks, insulation, and vents.

Homes with poor ventilation may have other areas that collect condensation, so check thoroughly around any areas you know struggle with excess moisture.

## Black Mold Removal: Step-by-Step Guide

Removing black mold requires careful planning, the right tools, and a methodical approach. Whether you’re dealing with a small patch or a larger infestation, follow these steps to ensure safe and effective removal.

### Before You Begin: Safety First

The first step is to gear up to ensure safety. Purchasing N95 masks or similar protects your lungs from inhaling mold spores. Rubber or nitrile gloves protect your skin from irritation. If you can get disposable coveralls, that will prevent spores from clinging to your clothes.

Before you start your black mold removal project, seal off the affected area with plastic sheeting and duct tape to prevent spores from spreading. Use a HEPA air purifier to filter airborne spores. Ventilation is also critical. Open windows and use fans to direct air outside, but avoid blowing air into other parts of the house.

### Black Mold Treatment: Step One — Assessment

The first step is to assess the situation. Small Areas (<10 sq. ft) are typically safe for DIY removal. However, large infestations (>10 sq. ft) require a professional, especially if mold is in HVAC systems or hard-to-reach areas.

### Step Two — The Right Gear

Now you need to gather your black mold treatment supplies, which should include the following:

Cleaning Solutions

- Vinegar: Non-toxic and effective on porous surfaces like wood and drywall
- Hydrogen peroxide: Great for non-porous surfaces like tiles and glass
- Baking soda: Mild abrasive for scrubbing
- Bleach: Only for non-porous surfaces (1:10 dilution with water, and never mix bleach with other cleaning chemicals)

Tools

- Stiff-bristled brush or sponge
- Spray bottle
- HEPA vacuum
- Bucket and cleaning cloths

If the mold infestation seems impossible to clear with tools like cloths and brushes, it’s time to call a professional.

### Step Three — Loose Spore Removal

Use a HEPA vacuum to remove loose mold spores from surfaces. Empty the vacuum outside to prevent spores from re-entering your home.

### Step Four — Black Mold Cleanup

Apply cleaning solutions to remove stains and kill the mold infestation. You’ll want to choose the right cleaner based on the surface type and severity of the mold.

For porous surfaces (drywall, wood, carpet), use the vinegar method:

- Fill a spray bottle with undiluted white vinegar
- Spray generously on the moldy area
- Let it sit for 1 hour to penetrate and kill the mold
- Scrub with a stiff brush, then wipe clean with a damp cloth
- Dry thoroughly with a fan or dehumidifier

Or baking soda paste:

- Mix 1 part baking soda with two parts water to form a paste
- Apply to the moldy area, scrub, and rinse with water
For non-porous surfaces (tiles, glass, ceramics), use the hydrogen peroxide method:
- Use a 3% hydrogen peroxide solution
- Spray on the moldy area and let it sit for 10 minutes
- Scrub with a brush, then wipe clean

Or the bleach method:

- Mix 1 cup of bleach with 1 gallon of water
- Spray on the surface, let sit for 15 minutes, then scrub and rinse
- Caution: Bleach doesn’t kill mold roots on porous surfaces and can release harmful fumes

For fabrics and upholstery, use a vinegar and baking soda combo:

- Spray vinegar on the fabric, let sit for 1 hour, then scrub with a baking soda paste
- Rinse and dry completely in sunlight

Professional mold remediators often use fungicidal chemicals and treatments that kill black mold without causing damage to your home.

### Step Five — Drying

Mold thrives in moisture, so drying is critical. Use fans, dehumidifiers, or open windows to speed up the process. You could also check for hidden moisture with a moisture meter.

### Step Six — Disposal

Seal moldy materials, like destroyed carpet and drywall, in plastic bags before disposing of them. You’ll also want to thoroughly clean your tools with bleach or hydrogen peroxide to prevent cross-contamination.

### Step Seven — Preventative Actions

Fix any source of moisture by repairing leaks, improving ventilation, or deploying a dehumidifier. You can also apply preventative treatments like mold-resistant paint and sealants. Clean areas weekly with vinegar or hydrogen peroxide to prevent mold growth from taking root.

### Pro Tips for Specific Areas

Here are some additional tips when targeting areas highly prone to black mold.

Tips for how to kill black mold in basements:

- Scrub walls with vinegar or hydrogen peroxide
- Install a sump pump or dehumidifier to control moisture
- Seal cracks in walls or floors to prevent groundwater seepage

Removing and preventing black mold in showers:

- Spray hydrogen peroxide on grout and tiles, let sit for 10 minutes, then scrub
- Use a squeegee after every shower to keep surfaces dry

Black mold treatment for ceilings:

- Wear goggles to protect against falling spores
- Spray diluted vinegar, wait 1 hour, then gently wipe
- Fix roof leaks or improve attic ventilation to prevent recurrence

How to remove black mold in bathrooms:

- Use hydrogen peroxide or bleach on non-porous surfaces like tiles
- Install a humidity-sensing exhaust fan.

Black mold cleanup for dishwashers:

- Run a cycle with 1 cup of vinegar on the hottest setting
- Scrub the rubber seal with baking soda
- Leave the door open after each use to dry

Look Into Mold-Fighting Innovations

Consider these innovations to take your mold control initiatives to the next level.

- UV light HVAC systems: Neutralize spores circulating in your air ducts.
- Enzymatic cleaners: Eco-friendly sprays can break down mold at the molecular level
- Climate-controlled storage: If you're facing persistent mold problems, consider using self-storage units to protect your belongings. Many modern storage facilities offer climate-controlled storage environments that help prevent mold growth. These units often have monitored temperature and humidity levels, providing an extra layer of protection for your valuable items.

Professional home inspectors and mold mitigation specialists also utilize highly advanced mold tests and use equipment like infrared scanners to uncover hidden issues in your home. Talk to an expert to find out how their techniques help protect your home from mold.

## Prevention Tips

One of the most important steps in black mold mitigation is prevention. Mold thrives in moist environments, so one of the simplest ways you can prevent growth is by removing sources of moisture.

Dry all surfaces after you clean them, particularly walls and other porous areas. If you have condensation, consider utilizing a dehumidifier to reduce this. You can also improve the ventilation in your home, as good airflow can prevent the buildup of moisture and reduce the likelihood of mold growth.

If you have a leaky pipe or other plumbing issue, or water gets into your house due to a storm, you must get the area dried out thoroughly. Lingering moisture is one of the major causes of mold.

## When to Call a Pro for Mold Treatment

Sometimes, DIY mold remediation techniques aren’t sufficient. Here are situations that require a professional:

- Large infestations: Where mold covers more than 10 sq. ft
- Hidden mold: If you suspect mold behind walls or in HVAC systems
- Health concerns: If you or your family experience severe symptoms

Professionals use advanced tools, such as HEPA vacuums and antimicrobial sprays, to detect and remove mold safely.

## DIY Mold Testing

You can source DIY mold test kits, which are affordable and easy to use. These kits let you collect samples and send them to a lab for analysis.

However, sometimes, professional inspections are necessary. Black mold issues often go unnoticed for years. Experts use thermal imaging cameras and moisture meters to detect hidden mold behind walls or under floors.

Professional mold removal typically ranges from $500 to $6,000, while DIY cleanup supplies cost around $50 to $150.

## Final Takeaway

Now you understand how to kill black mold yourself and when to call a professional. By pairing proactive moisture control with smart cleaning habits and cutting-edge tools, you’ll protect your home’s value and your family’s well-being.

Stay dry, stay clean, and breathe easy. And, when you’re not sure if black mold is the problem, trust the experts at WIN Home Inspection to give you the right answers. It’s easy to book a thorough, professional mold inspection with WIN today. Call us at (800) 309-6753 or email info@wini.com, and one of our specialists will gladly assist you.
 
## FAQ

**Can I remove black mold myself?**

Yes—if the area is small and you can source the right cleaning solutions and tools. Always wear protective gear and ventilate the space well.

**What kills black mold instantly?**

Hydrogen peroxide or undiluted vinegar can work for small areas. Professionals use stronger treatments for larger infestations.

**Is black mold always toxic?**

Black mold isn’t toxic to everyone, because immune systems can react differently to pathogens. However, black mold mitigation is critical to protect your family’s health and prevent damage to your home. 

How to Get Rid of Black Mold: Your Ultimate Guide to Safe Removal and Prevention

When you own a home, there are many considerations, especially when you need to meet certain insurance requirements. 

If you own an older home and are renewing a policy or switching insurance companies, you may be asked to complete a 4-point inspection. The same applies if you’re [selling your home](https://wini.com/home-seller/) — buyers may request a 4-point inspection as part of the sale process. This proactive step helps the buyers identify potential risks associated with major systems. 

So, what is this inspection? Why do you need one, and how do you prepare for it? This guide covers all the bases, helping you confidently meet insurance requirements and protect your home’s value. 

## What Is a 4-Point Home Inspection?
Unlike a full home inspection, which covers hundreds of components, a [4-point inspection](https://wini.com/articles/what-is-and-why-do-you-need-4-point-inspections/) focuses on four key systems: 

1. Roof
2. Electrical
3. Plumbing
4. HVAC (heating, ventilation, and air conditioning)

Insurance companies typically request this inspection for homes 15 years or older to ensure that these core systems are safe, functional, and not at high risk of failure. 

When selling your home, you may also consider a 4-point inspection. 

Why?

Because it can give you a negotiating advantage and reduce the risk of a sale falling through. It also provides increased buyer confidence, a smoother closing process, and helps you get your desired selling price.

![WIN Home Inspector engaged in conversation with the clients at a table, with an iPad.](https://d2nnm6ppct4rc3.cloudfront.net/3_U7_A6461_1_4c4a6f0f13.jpg)

## Why Do Insurance Companies Require It?
Older homes can present higher issues, such as aging roofs that may leak, outdated wiring that could cause fires, and the potential for old plumbing to leak or burst unexpectedly. 

A 4-point inspection helps insurers: 

Assess the condition of your home’s major systems
- Decide if the home qualifies for coverage
- Identify needed repairs before issuing or renewing a policy
- Passing this inspection is key to securing or maintaining affordable homeowners' insurance. 

## Do All States Require a 4-Point Inspection?
No, not all states require a 4-point inspection. The need to get one will depend on your insurance company’s policies, the location of your home, and its age. 

High-risk states, such as Florida, Texas, Louisiana, and California, often require this relatively non-invasive inspection for older homes. Insurance companies may also require homeowners to complete this inspection during periods of high risk. 

The above mentioned states are where 4-point inspections are most common, and here’s why: 

- Older homes in these states are more susceptible to increased humidity, [storms, hurricanes, and flooding](https://wini.com/articles/essential-hurricane-prep-list/). 

- Insurance companies face higher risks due to weather-related claims in these areas. So, carriers often require proof that roofs, electrical systems, plumbing, and HVAC are in good working order before writing or renewing policies.

If you’re a homeowner in a region that requires a 4-point inspection, it’s important to be mindful of the requirements and prepare accordingly. 

## How to Pass a 4-Point Home Inspection: Checklist
Here’s a system-by-system breakdown to help you prepare. 

### Roof 
- Repair or replace missing shingles, tiles, or flashing
- Fix any visible leaks or water stains in ceilings or attics
- Know your roof’s age — insurers may flag roofs over 15–20 years

### Electrical 
- Upgrade outdated breaker panels (like Federal Pacific or Zinsco)
- Replace knob-and-tube or aluminum wiring if present
- Ensure no exposed wires, overloaded circuits, or DIY fixes

### Plumbing 
- Repair leaks under sinks, around toilets, and near the water heater
- Replace high-risk polybutylene piping
- Make sure your water heater is working properly and within its lifespan (usually 10–12 years)

### HVAC 
- Ensure the system heats and cools effectively
- Replace filters and clean ducts if needed
- Confirm no missing parts or visible damage

![What is a 4-Point Inspection](https://d2nnm6ppct4rc3.cloudfront.net/What_is_a_4_Point_Inspection_389ef8f3cb.png)


## Common Reasons Homes Fail a 4-Point Inspection

While every property is unique, these issues frequently lead to failures: 

- Roof nearing the end of its lifespan
- Outdated electrical panels or unsafe wiring
- Old plumbing pipes, like polybutylene or galvanized steel
- HVAC units that don’t function properly or are missing parts

An inspector will look for defects, safety hazards, or signs of excessive wear and tear — so keep that in mind. 

Addressing these issues in advance gives you the best chance of passing a 4-point inspection. 

## Pro Tips to Get Ready
- Keep receipts or service records for roof replacements, HVAC tune-ups, and plumbing upgrades.
- Leverage modern inspection tools — WIN inspectors use moisture meters, infrared (IR) scans, drones, and scope cameras to give you a clearer picture of your home’s condition.
- [Schedule a full home inspection](https://wini.com/services/home-inspection/) to gain greater peace of mind. This comprehensive inspection can identify small issues that may become significant, costly repairs later. 

### What If You Don’t Pass?
If your home doesn’t pass, your insurance company may: 

- Require you to make repairs before offering coverage.
- Deny your application or renewal, leaving you with no home insurance.

At WIN Home Inspection, we simplify this process with our <a href="https://www.youtube.com/watch?v=IDu31enb9MM&feature=youtu.be" target="_blank">Property Care List (PCL)</a>, a complimentary tool that organizes inspection findings into clear categories: Repair, Replace, or Credit. This makes it simple for homeowners and agents to track repairs and negotiate with confidence. 

## FAQs About 4-Point Inspections

### How long does a 4-point inspection take?
Typically, one to two hours, depending on the size and condition of your home. A [drone roof inspection](https://wini.com/drone-inspection/), compared to a traditional roof inspection, can influence this timeframe. 

### How much does a 4-point inspection cost?
Costs vary by location but generally range from <a href="https://insurify.com/homeowners-insurance/knowledge/4-point-inspection/#:~:text=on%20average%2C%20homeowners%20pay%20between%20%2450%20and%20%24150." target="_blank">$50 to $150</a>. In comparison, a full home inspection can range from [$200 to $500 and up](https://wini.com/articles/home-inspection-cost/). The size of your home and location will have a significant impact on cost. 

### What’s the difference between a 4-point inspection and a full home inspection?
A 4-point inspection focuses on four major systems for insurance purposes, while a full home inspection covers hundreds of components throughout the entire home, providing more comprehensive peace of mind for buyers and sellers. 

### Can you fail a 4-point inspection?
Yes. If your systems are unsafe, outdated, or in poor condition, insurers may deny coverage until repairs are made. 

## Take the Next Steps: WIN Home Inspection Can Help
A 4-point inspection isn’t about perfection — it’s about showing that your home’s key systems are safe and reliable. By making small repairs, keeping good records, and working with a trusted inspection partner, you can pass with ease.
 
WIN Home Inspection has been the #1-ranked home inspection company since 2023, offering 35+ essential inspection and testing services nationwide. Whether you require a 4-point inspection, a comprehensive home inspection, or specialized testing, our highly trained inspectors deliver actionable insights for every home.

[Get in touch](https://wini.com/contact-us/) to get started today. 

How to Pass a 4-Point Home Inspection

Learn what a 4-point inspection checks—roof, electrical, plumbing, HVAC—why insurers require it, plus a checklist, fails, fixes, and tips to pass.

Buying a new house is an exciting time. You’ve likely spent years saving for a down payment on your future home, making your purchase both a major milestone and one of the largest financial investments you’ll make. That’s why house buying can be such an emotional process, and why it’s so critical that you take steps to protect your investment.

While it’s easy to get lost daydreaming over how good your favorite chair will look in your new living room, it’s important not to overlook what could be lurking just beneath the surface. From faulty wiring to structural issues or [mold](https://wini.com/articles/how-do-home-inspectors-test-for-mold/), a single unknown issue is enough to turn your dream home into a living nightmare. Home inspections are a way of avoiding the unexpected and eliminating unpleasant surprises before they cause long-term harm or cause you to spend money on a home that's completely wrong for you. Here’s everything you need to know about what inspections you need to prioritize so you can proceed with your home-buying experience confidently.

## Why Home Inspections Are Important

![home inspection process](https://d2nnm6ppct4rc3.cloudfront.net/HHC_4de57958bd.jpg)

The purchase of a new house is one of the largest investments you'll ever make. That’s why it’s critical that you ensure you’re spending your money wisely. A [home inspection](https://wini.com/services/home-inspection/) can uncover hidden problems that could cost you thousands of dollars if ignored. As a buyer, you won’t generally check out the attic or crawl space of a home, meaning you could miss critical issues or areas in need of repair. Home inspectors thoroughly explore these areas of a home and more and report on their condition.

Some of the typical hidden issues you might not see during an open house include:

 - Roof leaks
 - Foundation cracks
 - Outdated electrical wiring
 - Plumbing issues
 - Hidden mold
 - Pests

American Home Shield, a home warranty company, questioned over 1,000 homeowners in 2024 and discovered that an astonishing [92% of them experienced issues with their new homes in the first year](https://www.ahs.com/home-matters/homebuyer-hub-resources-and-guides/common-new-home-issues/). The problems they faced, like leaks, faulty windows, and outdated wiring or electrical panels, are all avoidable with the right inspections.

## Standard Home Inspection

Every homebuyer should at least invest in a standard home inspection. Your inspector will provide you with a comprehensive overview of your property's current condition, so you know exactly what you're buying. These types of inspections examine critical components of the house, including structural aspects, plumbing and electrical systems, HVAC (heating, ventilation, and air conditioning), roofing, insulation, and major appliances.

But what do home inspectors look for? Some of the items they'll inspect on the property are:

 - Structural: Inspecting the foundation, walls, floors, ceilings, and roof for any visible signs of deterioration and structural-related issues.
 - Electrical System: Ensuring electrical wiring, outlets, panels, and circuit breakers for function and safe operation.
 - Plumbing System: Inspecting pipes, fixtures, water heaters, and drainage systems for leaks, corrosion, or contaminants.
 - HVAC System: Inspecting heating and cooling systems for efficiency, operation, and functional flow.
 - Interior and Exterior Features: Inspecting doors, windows, stairs, decks, and garages for safety issues and functional problems.
 - Appliances and Fixtures: Testing built-in kitchen appliances, smoke alarms, carbon monoxide alarms, and other installed items.

Home inspections are thorough and typically last two to four hours, depending on the home’s size. You'll pay between $300 and $500 on average, depending on the location and size of the property. Following the inspection, the inspector provides you with a detailed report that summarizes issues and recommended next steps, along with photos and descriptions. The report is an essential tool you can use to negotiate credits with the seller, budget for repairs, or even consider looking at other properties if the issues are too significant.

## Specialized Inspections to Consider

A standard home inspection provides you with a basic understanding of a property's condition. However, the scope of a home inspection can be limiting, especially depending on where you live or how old the property is. You may need to add on additional inspections or services to get a more in-depth understanding of the property, such as the sewer line or septic tank, chimney, electrical system, or energy efficiency.

### 1. Radon Inspection

Radon is a colorless, odorless radioactive gas that naturally occurs due to decaying uranium in the soil. Exposure to high levels of radon has been proven to create a heightened risk of lung cancer, risk so alarming that the Environmental Protection Agency (EPA) has a National Radon Action Plan to manage high indoor radon levels.

Radon testing involves placing a specialized detector in the home's lowest living area and monitoring the radon levels for 48 hours. Homes with basements, or those located in a naturally high radon area, are especially vulnerable. Radon testing can cost anywhere from $150 to $450, depending on the size, age, and layout of your home, and it should be done every two years. 

### 2. Termite and Pest Inspection

Wood-destroying insects, such as termites, carpenter ants, and wood-boring beetles, can cause extensive structural damage without ever being spotted by the untrained eye. Pest inspectors are trained to look for signs of active or inactive infestation, such as mud tubes, wood damage, or insect waste. 

Inspectors also evaluate and report on conditions that can promote future pest infestation, such as water accumulation and wood-to-ground contact. Pest inspection runs from $75 to $325 and is a necessity in humid climates or where termites are known to exist.

### 3. Mold Inspection

Mold can grow unnoticed in damp places and lead to health issues like allergies, respiratory infections, and asthma attacks. A mold inspector conducts a visual inspection but also collects air and surface samples. All homes are at risk of mold, but particularly those that have experienced water damage or leaks or have a basement or poor ventilation. A mold inspection may cost between $200 and $600, based on the size of the property and the amount of air or surface samples collected.

### 4. Sewer and Septic Inspection

A damaged sewer or septic system can lead to costly repairs and may even pose a health risk. Sewer inspectors use a special scope camera to check pipes for blockage, leaks, cracks, and root penetration. A septic inspector checks the condition and function of the septic tank and that of the associated drain field. These inspections can cost anywhere from $250 to $600.

### 5. Drone Roof Inspection

A home inspector typically always looks at the overall condition of your roof, they'll assess shingles, flashing, gutters, chimneys, and attic ventilation for damage or deterioration. However, there are conditions, such as high winds or rain or being covered in snow, that prevent that from happening. In those cases, the inspector will likely omit the roof portion of the inspection and if you’re lucky, they’ll reschedule to a day where the conditions are better to complete the roof portion of the inspection. This is where a drone roof inspection becomes critical. Most home inspectors are not equipped with this type of inspection technology, so those who are come in high demand. Drones allow inspectors to give a thorough examination of the roof’s condition, recording live video and taking photos of any areas of concern, all from the safety of the ground. This gives inspectors the ability to safely and more accurately perform roof inspections in harsh weather conditions and for steep or high-pitched roofs that are hard to access safely. 

## Reading and Understanding Your Inspection Report

It's normal to feel out of your depth when you first receive your home inspection report. It can be lengthy, detailed, and contain language you're not familiar with.

Make sure you find the summary page first. This is where you can read the inspector's key findings. You'll see major defects and issues that require immediate attention. Look out for phrases like "safety hazard" or adjectives like "significant" because these will show where the most severe problems lie.

Now that you know the basics, go through each item in detail, ranking issues as follows:

 - Major issues: These include structural problems, faulty wiring, roof leaks, foundation issues, or extensive plumbing repairs. Costly concerns like this may influence your purchase decision significantly.
 - Minor issues: Cosmetic problems or small repairs like chipped paint, loose fixtures, or minor leaks cost less to address. Check that you’ll have the budget to handle these after purchasing the property.
 - Maintenance tips: Take note of any general maintenance tips that the inspector offers to help keep the home in good condition down the road.

You can call your inspector to have any terms or results explained that you do not understand. Most inspectors are happy for the chance to clarify their findings or offer suggestions for additional action. Attending the last 30 minutes of the inspection allows you time with your inspector to ask questions and have them walk you through any key findings, without disrupting their process.

Having your inspection report puts you in a better position to negotiate with the seller. You can request repairs or potentially negotiate a price reduction or credits from the seller. And of course, you can even withdraw your offer if major issues seem too costly or risky.

## Negotiating with Inspection Results

When major concerns arise, you can use your inspection report to negotiate more favorable terms or ask for repairs essential to closing the sale. Of course, you’re not required to negotiate. If you’re happy and the findings of the inspection aren’t too worrisome or costly, you can move forward with the sale as planned. Remember, negotiations can be risky depending on the market. In some situations, the seller holds the power and could simply choose to sell to a buyer who is satisfied with the current condition of the home.

If your inspection report is packed with minor repairs that you can tackle fairly easily, it’s usually not worth disrupting the sale. However, if there are more severe issues that need to be addressed, like active leaks or a roof that needs repairing, here’s how you can try to negotiate your inspection findings:

### 1. Make a Priority List
Not all property issues are equal. Successful negotiations will focus on major safety concerns, structural issues, or repairs with a high price tag. Roof replacements or a full rewiring job fall into this category. Sellers are more likely to be open to addressing high-priority issues that substantially impact the habitability and safety of the home.
### 2. Request Repairs or Credits

When negotiating with your inspection results, you have two options:

 - Request Repairs: Ask the seller to invest in specific repairs before closing. Make sure all repairs are completed by licensed professionals, and request documentation or receipts as proof.
 - Request Credits: Alternatively, ask for monetary credit toward closing costs or a reduction in the purchase price, which will allow you to make repairs after the sale.

### 3. Be Reasonable and Flexible

Negotiate openly and in good faith. Sellers are more likely to respond to buyers who make reasonable, well-documented asks that are supported by the inspection report. Showing a willingness to compromise can result in more positive outcomes.

### 4. Talk to Your Real Estate Agent

Your real estate agent is your best ally in such negotiations. They know how to express concerns effectively and promptly and push you toward a fair solution. Use their local market experience and knowledge to negotiate strategically.

Knowing how to use inspection results to your advantage can both save you money and remove some of the aggravation from the home purchasing process. Your home inspection report is the tool that holds all of the evidence that you need to better manage your budget while still aiming for the home of your dreams.

## Choosing the Right Home Inspection Company

Buying a home is a big step, and having the right home inspection company by your side can make all the difference. A thorough and professional inspection helps uncover hidden issues, giving you the confidence to move forward with your purchase.

WIN Home Inspection is the [#1 ranked home inspection company in the U.S.](https://wini.com/), trusted by home buyers nationwide. Our certified inspectors are known for being friendly, prompt, and incredibly thorough. We offer a wide range of services beyond the standard inspection, including Radon Testing, Mold Sampling, Sewer Scope, and Drone Roof Inspections. Whether you're buying your first home or your forever home, we help you see more clearly.

At WIN, we make it easy to understand your inspection results with detailed, easy-to-read reports. These reports include photos, summaries, and recommendations that help you prioritize repairs and negotiate with confidence. Let’s make your home-buying experience as smooth and informed as possible.

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