4-Point Inspection
What is a 4-Point Inspection?
A 4-Point Inspection is a limited inspection that focuses on the four major systems of a home: Roofing, Electrical, Plumbing, Heating & AC.
Unlike a full home inspection, a 4-Point Inspection is not intended to identify every defect in the home. Instead, it provides insurance companies with information about the age, condition, and functionality of these key systems so they can better assess the home’s insurability.
In Florida, many insurance companies require a 4-Point Inspection for older homes before issuing a new policy or renewing an existing one. The inspection helps insurers determine whether the home’s major systems are in acceptable condition and whether any updates or repairs may be needed.
What is a 4-Point Inspection?
What is a 4-Point Inspection?
A 4-Point Inspection is a limited inspection that focuses on the four major systems of a home: Roofing, Electrical, Plumbing, Heating & AC.
Unlike a full home inspection, a 4-Point Inspection is not intended to identify every defect in the home. Instead, it provides insurance companies with information about the age, condition, and functionality of these key systems so they can better assess the home’s insurability.
In Florida, many insurance companies require a 4-Point Inspection for older homes before issuing a new policy or renewing an existing one. The inspection helps insurers determine whether the home’s major systems are in acceptable condition and whether any updates or repairs may be needed.
Why Homeowners Get a 4-Point Inspection
Why Homeowners Get a
4-Point Inspection
Obtain Insurance
Many insurance carriers require a 4-Point Inspection before they will insure an older home. Without this inspection, obtaining coverage can sometimes be difficult.
Renew Policy
Some insurance companies request an updated 4-Point Inspection when a policy is renewed, particularly if the home is older or previous inspection reports have expired.
Verify Updates
If you've replaced your roof, updated your electrical panel, or completed major plumbing or HVAC upgrades, it can provide documentation to your insurance company.
Verify Updates
If you've replaced your roof, updated your electrical panel, or completed major plumbing or HVAC upgrades, it can provide documentation to your insurance company.
4-Point Inspection Pricing
4-Point
Inspection Pricing
| Home Size | Stand Alone | With Wind Mit Inspection | With Home Inspection |
|---|---|---|---|
| 0 - 2,500 sqft | $150 | $125 | $100 |
| 2,501 - 5,000 sqft | $175 | $150 | $125 |
| 5,001 - 7,500 sqft | $250 | $225 | $200 |
| 7,501 - 10,000 sqft | $300 | $275 | $250 |
What We Check During a 4-Point Inspection
What We Check During a
4-Point Inspection
- Roof - We inspect the roof covering and estimate its age and remaining useful life. We also look for visible signs of damage, leaks, or deterioration that may affect insurability.
- Electrical - We evaluate the electrical system, including the main panel, wiring methods, and visible components. Insurance companies often pay close attention to older electrical systems and certain panel brands.
- Plumbing - We inspect the visible plumbing materials, supply lines, drain lines, and water heater. We also look for signs of active leaks, corrosion, or previous water damage.
- HVAC - We examine the heating and cooling systems to determine their approximate age, general condition, and whether they appear to be functioning properly at the time of the inspection.
- Roof - We inspect the roof covering and estimate its age and remaining useful life. We also look for visible signs of damage, leaks, or deterioration that may affect insurability.
- Electrical - We evaluate the electrical system, including the main panel, wiring methods, and visible components. Insurance companies often pay close attention to older electrical systems and certain panel brands.
- Plumbing - We inspect the visible plumbing materials, supply lines, drain lines, and water heater. We also look for signs of active leaks, corrosion, or previous water damage.
- HVAC - We examine the heating and cooling systems to determine their approximate age, general condition, and whether they appear to be functioning properly at the time of the inspection.
4-Point Inspection FAQs
Most 4-Point Inspections take approximately 30 to 60 minutes, depending on the size and accessibility of the home.
Many insurance companies require one when insuring homes that are approximately 20 years old or older, although requirements vary by carrier.
If there is heavy rain forecasted on the day of your inspection, we may need to reschedule for another day. If the rain is expected to be intermittent or light, then there won’t be any problem with us completing the inspection as scheduled.
Insurance companies determine how long a report remains valid. In some cases, an updated inspection may be required when changing insurance carriers or renewing a policy.
No. A 4-Point Inspection is limited to the roof, electrical, plumbing, and HVAC systems for insurance purposes. A full home inspection is much more comprehensive and evaluates many additional components of the home.
No. The final decision to provide coverage always rests with the insurance company and its underwriting guidelines.
If your home is older, obtaining a 4-Point Inspection early can help identify potential issues and make the insurance process smoother.
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