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A 4 point inspection is requested by an insurance company on a house most of the time that is 30 - 40 years old when switching insurance or in the course of the house being insured with your current insurance company. This inspection lets the insurance company verify that the four major system in the house are in good working order. These systems are Roof, AC / heat, Electrical, and plumbing. ELECTRICAL The electrical system should be in good general condition. All receptacles should be working properly. Main electrical panels and sub- panels should have proper covers and labeling. Main electrical panels and sub panels should be of sufficient service size. All wiring should be properly covered and protected. If you have a main electrical panel with a service size of less then 100 AMPS an insurance company will most likely not insure you. CONDITIONS OF THE ELECTRCAL SYSTEM THAT MIGHT WARRANT AN INSURANCE COMPANY NOT TO INSURE YOUR HOUSE. There are several brands / types of panels that have been proven over the years to be fire hazards and are not made anymore. These panels are still in existence in homes everywhere. These panel types include: Zinsco, Challenger, Federal Pacific Stab Lock, and old Edison style screw in fuse panels. Knob and tube wiring. Aluminum branch circuit wiring. Cloth wiring EXAMPLES I HAVE CAME ACROSS