4-Point Inspection Florida | From $125

Citizens requires a four-point on applications for homes more than 20 years old. Private carriers set their own age triggers—ask your agent. The report documents roof, electrical, plumbing, and HVAC. Green Foot 4-points start at $125.

Carriers use a 4-point to underwrite roof, electrical, plumbing, and HVAC. Citizens requires it on applications for homes more than 20 years old. A 4-point is not a full home inspection and is not a Florida statute for every private policy.

Citizens requires a four-point on property-owner, dwelling, and mobile-home applications for homes more than 20 years old. Private carriers set their own age triggers—often in a similar range, but ask your agent. A 4-point is not a Florida statute.

A 4-Point inspection focuses exclusively on four systems: (1) Roofing system—covering material, age, condition, visible damage, flashing, and estimated remaining useful life; (2) Electrical system—main panel brand/age/capacity, wiring type, GFCI/AFCI protection, and safety concerns; (3) Plumbing system—pipe materials, water heater age/condition, water pressure, and visible leaks; (4) HVAC system—system type, age, condition, efficiency, and maintenance needs. Unlike full home inspections, we don't examine other systems or components.

4-Point inspections typically take 60-90 minutes, significantly shorter than full home inspections (which take 2-4 hours) because we focus only on the four critical systems. The inspection includes visual examination, documentation with photos, and system age/condition assessment. Reports are delivered the same day, typically within 4-6 hours of the inspection.

If issues are found, the insurance company will typically require repairs before issuing or renewing coverage. Common requirements include replacing recalled electrical panels (Federal Pacific, Zinsco), updating plumbing systems (polybutylene pipes), or repairing roof damage. We categorize issues by urgency and insurance impact, helping you prioritize what needs immediate attention. In some cases, insurers may offer coverage with exclusions or higher premiums, but most require repairs for critical issues.

Yes. We categorize all findings by urgency and insurance impact. Safety-critical issues (like recalled electrical panels) require immediate attention before coverage. Major concerns (like roofs at end of life) typically require repair/replacement before renewal. Minor issues may be noted but not block coverage. We provide clear documentation to help you understand what needs to be fixed and in what timeframe.

Yes. Same visit when you book both. You get a buyer report plus an insurer-ready 4-point. Posted 4-point + wind bundle is $200.

We document system ages, condition, remaining useful life where applicable, photos, and recommendations in an insurer-ready PDF. Requirements vary by insurer, property, policy, and underwriting guidelines. Confirm the carrier’s specific 4-point rules before ordering. We do not claim every Florida carrier accepts every report. Citizens requires a 4-point on applications for homes more than 20 years old; private carriers set their own.

We deliver 4-Point inspection reports the same day, typically within 4-6 hours of the inspection. Reports are sent via email as PDF files that you can immediately forward to your insurance company. The report includes photos, system documentation, age/condition assessments, and recommendations. Same-day delivery is critical when you're trying to secure insurance coverage quickly for a property purchase or policy renewal.

4-Point inspections focus exclusively on four systems (roof, electrical, plumbing, HVAC) for insurance underwriting and take 60-90 minutes. Full home inspections examine all systems and components (structure, foundation, interior, exterior, appliances, safety systems, etc.) for buyers/sellers and take 2-4 hours. Some carriers require a 4-point; Citizens requires it on applications for homes more than 20 years old. Full home inspections are recommended for property purchases. We can perform both during the same visit.

Ask your agent. Citizens requires a four-point on applications for homes more than 20 years old. Private carriers often want one on older purchase files too, but that is not automatic. Combining it with a full home inspection on the same visit is common when both reports are needed.

Based on our South Florida files, we often see worn roof coverings on older houses, dated or recalled electrical panels, HVAC near the end of service life, and polybutylene or galvanized supplies. We photograph what is there. We do not publish fake “found in 70% of inspections” rates.

A 4-Point inspection itself doesn't cancel insurance—it's a tool insurers use to assess risk. However, if the inspection reveals serious safety issues (like recalled electrical panels) or systems at end of life, your insurer may require repairs before renewal or may decline to renew coverage. This is why it's better to address issues proactively. We help you understand what findings might concern insurers and prioritize repairs accordingly.

4-Point inspections start at $125; most homes cost $150–$300 depending on property size and location. Pricing is lower than full home inspections because they're more focused and take less time. We offer bundled pricing when combined with full home inspections, wind mitigation inspections, or roof certifications. Contact us for specific pricing based on your property details and whether you're bundling with other inspections.

Yes, we perform 4-Point inspections for condominiums, though the scope differs. For condos, we inspect the electrical panel and HVAC system within the unit, and document plumbing fixtures. Roofing is typically the HOA's responsibility, but we note any visible concerns. Some insurers require 4-Point inspections for condos, especially older buildings. We coordinate with HOA documentation and note any shared system concerns.

If an insurer has questions about the report, we can provide additional documentation or clarification. Requirements vary by insurer, property, policy, and underwriting guidelines—some carriers want extra photos, a different form, or another inspector. Confirm their rules with your agent before ordering. We do not claim every Florida carrier accepts every report.

Most insurance companies require 4-Point inspections when initially applying for coverage or when switching carriers. Some require updated inspections every 3-5 years for older homes. Requirements vary by insurer and can change based on market conditions or recent storms. We recommend checking with your insurance agent about renewal requirements. If you're maintaining your home well and systems are in good condition, you may not need frequent re-inspections.