Four-point inspections are usually a requirement to get your home insured. It allows insurance companies to know the conditions of the homes before insuring them. A Four-point inspection identifies the areas that may result in an insurance claim. If your home fails one of the points or all of them the inspector will go over what needs to be fixed or replaced to eliminate the deficiencies. Mold is a fungus that comes in various colors and shapes. While some molds are visible and even odorous, mold can also grow between walls, under floors and ceilings, or in less accessible spots, such as basements and attics. Mold exposure can lead to symptoms such as stuffy nose, wheezing, and red or itchy eyes, or skin. Some people, such as those with allergies or with asthma may have more intense reactions.