4-Point Inspection
A focused report on the four systems insurance companies check most closely: roof, electrical, plumbing, and HVAC.
The Four Systems We Inspect
- ✓Roof — age, covering material, and general condition, including visible signs of leaks or damage.
- ✓Electrical system — panel brand and type, wiring type (e.g., copper vs. aluminum), and any visible safety concerns.
- ✓Plumbing system — supply line material, visible leaks, and the age and condition of the water heater.
- ✓HVAC system — age and general operating condition of the heating and cooling equipment.
- ✓Overall age of each system — noted specifically, since insurers weigh system age heavily in underwriting decisions.
Why It Matters
Many Florida property insurers require a 4-point inspection before issuing or renewing a policy on a home that's past a certain age — often somewhere in the range of 25 to 30 years old, though the exact threshold varies by carrier. Rather than evaluating the entire property, the report zeroes in on the roof, electrical, plumbing, and HVAC systems, since these are the components most likely to affect a claim.
If a 4-point report flags an outdated system — knob-and-tube wiring, polybutylene plumbing, or an aging roof, for example — it can affect whether a carrier will insure the home at all, or what conditions they'll attach to the policy. Getting ahead of this with an inspection before you're under contract, or before your policy renews, gives you time to plan rather than scramble.
You May Also Need
Wind Mitigation
Often ordered together with a 4-point inspection for insurance purposes.
Learn More →Roof Inspection
A deeper look at roof condition if the 4-point flags a concern worth exploring.
Learn More →Full Home Inspection
A complete evaluation of the property beyond the four insurer-focused systems.
Learn More →