4-Point Inspection Florida | From $125

In 2026, Florida insurers typically require a 4-Point inspection for homes 20+ years old when applying for or renewing coverage. The inspection must document the condition of four systems: roof, electrical, plumbing, and HVAC. Reports must be in a format insurers accept—same-day digital reports with photos and life expectancy notes meet current requirements across major carriers in South Florida.

Insurance companies require 4-Point inspections for older homes (typically 20-30 years) to document the condition of four critical systems: roof, electrical, plumbing, and HVAC. These systems represent the highest risk for costly insurance claims. The inspection helps insurers assess risk and determine coverage eligibility, rates, and requirements. In Florida, where hurricanes and severe weather are common, insurers are particularly cautious about these systems.

Most insurance carriers require 4-Point inspections for homes 20-30 years or older, though some carriers require them for homes as young as 15 years. Requirements vary by insurance company and can change based on market conditions, recent storms, or property location. Some insurers may require them sooner after major storms or for homes in high-risk areas. We can help you determine your specific insurer's requirements.

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.

Absolutely. We frequently perform both inspections during the same visit, which saves time and money. We conduct the full home inspection first (examining all systems), then complete the 4-Point inspection focusing on the four critical systems. You receive separate reports—one comprehensive report for your use and one insurer-ready 4-Point report formatted for insurance companies. Bundled inspections typically save 15-20% compared to scheduling separately.

Yes. Our reports meet Florida insurance carrier expectations and are accepted by all major insurance companies operating in the state. Our reports include required elements: system ages, condition assessments, remaining useful life estimates where applicable, photos documenting findings, and clear recommendations. We format reports specifically for insurance underwriting, making the process smooth for both you and your insurer.

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 purposes 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. 4-Point inspections are required by insurance companies; full home inspections are recommended for property purchases. We can perform both during the same visit.

If the home is 20-30+ years old, you'll likely need a 4-Point inspection to secure homeowners insurance, which is required for mortgage approval. Even if not required, it's wise to get one to understand what insurance companies will see and identify any issues that might affect coverage or rates. We recommend combining it with a full home inspection to get complete information about the property.

Based on our experience, the most common issues are: (1) Roofs over 15-20 years old showing wear or damage (found in 70% of inspections); (2) Outdated electrical panels like Federal Pacific or Zinsco (found in 50% of older homes); (3) HVAC systems over 12-15 years old (found in 55% of inspections); (4) Problematic plumbing materials like polybutylene or galvanized steel (found in 40% of homes from 1980s-1990s). We document all findings with photos and clear explanations.

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 concerns about our inspection, it's typically because they want additional information or clarification about specific findings. We're available to provide additional documentation, answer insurer questions, or clarify any concerns. In rare cases where insurers want a different inspector, we can recommend alternatives, though our reports are accepted by all major Florida carriers. We work with you and your insurance agent to resolve any issues.

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.