4 Point Inspection

Are you buying an older home or has your insurance provider requested a 4 Point Inspection? You've come to the right place. In South Florida, a 4 Point Inspection is essential for securing or renewing your homeowner's insurance policy.

At GreenFoot Home Inspections, we provide fast, reliable, and thorough 4 Point Inspections that meet the specific requirements of Florida insurance carriers. Our goal is to give you the clear documentation you need while identifying the current condition of your home's most critical systems.

A 4 Point Inspection is a specialized assessment focused on the four most vital systems in a home. It is not a substitute for a comprehensive buyer's inspection but is a requirement for insurance underwriting. The four points are:

• Roofing: The condition, age, and material of your roof.
• Electrical: The main panel, wiring, and overall system safety.
• Plumbing: The supply and drain lines, water heater, and fixture conditions.
• HVAC: The heating, ventilation, and air conditioning system's age and operational status.

The primary purpose is to verify for the insurance company that these major systems are in good working order and do not pose an immediate risk.

Insurance companies require this inspection to assess risk, especially in this region.  Here’s why it's so important for local homeowners:

• Insurance Mandates: Most insurers will require a 4 Point Inspection to issue or renew a policy on homes over 30 years old.
  
• Older Homes: South Florida has many older homes with systems that may be outdated (e.g., cast iron plumbing, certain electrical panels) and pose a higher risk.
• Climate Impact: Our intense heat, humidity, and storm season put immense stress on roofs and HVAC systems, making their condition a top concern for insurers.
• Policy Security: A clean 4 Point report is your key to obtaining coverage, preventing policy cancellation, and avoiding last-minute surprises with your premiums.

Our certified inspectors conduct a detailed visual examination of the readily accessible components of your home's major systems to ensure they meet insurance standards.

1. Roofing System

• We estimate the age and remaining useful life of the roof covering (shingles, tile, metal, etc.).
• We identify any visible signs of damage, significant wear, or evidence of leaks.
• We check visible flashings and the general condition of gutters.

2. Electrical System

• We inspect the main electrical panel, noting the manufacturer and type.
• We identify the type of wiring visible (e.g., copper, aluminum).
• We look for potential hazards flagged by insurers, like outdated panels or visible knob-and-tube wiring.

3. Plumbing System

• We identify the type of visible water supply pipes (PVC, Copper, PEX, etc.) and drain lines (Cast Iron, PVC).
• We inspect your water heater, noting its age and condition.
• We check for any visible leaks or water damage under sinks and around fixtures.

4. HVAC System

• We determine the approximate age and check the general condition of the heating and cooling units.
• We verify that the system is functioning correctly (running both heat and cool cycles).
• We identify any visible signs of damage, leaks, or immediate operational issues.

We know that insurance deadlines are often tight. After your inspection, you will receive a concise, easy-to-read digital report within 24 hours. Your report will include:

• A summary of findings for each of the four systems.
• High-quality photos to document the condition and any noted issues.
• The estimated age and life expectancy of each system.
• A format specifically designed to be submitted directly to your insurance agent.

Don't risk a delay in your coverage. Ensure your home is insurable and get a clear picture of its core systems.