4-Point Inspection
Roof, electrical, plumbing, HVAC — what Florida insurers require for older homes.
4-point inspection in Florida — the roof, electrical, plumbing, and HVAC report Florida insurers require for older homes, same-day delivery.
Already booking a residential, condo, pre-listing, or new construction inspection? Add both your 4-point and wind mitigation for $100 — one visit, all three reports.
What this service is
A focused report on the four systems insurance carriers care about most: roof, electrical, plumbing, and HVAC. Most Florida insurers require one before they will write or renew a policy on an older home — the age at which it kicks in varies by carrier. We document age, condition, and any deficiencies on the standard Florida 4-Point form so your agent can get you bound quickly.
Insurance Inspection Package
Bundle your 4-Point with Wind Mitigation and save $50.
Most Florida insurers need both inspections. Schedule them together — one visit, one inspector, both reports — and save time and money.
- One appointment for both inspections
- Bundle discount: save $50
- Complete insurance requirements faster
- Single comprehensive deliverable
Certified for this service
Scope
What's included.
- Roof age, covering type, and condition
- Electrical panel brand, amperage, and known hazards (FPE, Zinsco, aluminum)
- Plumbing supply line material and water heater age
- HVAC age, type, and operating condition
- Photos of every required system
- Standard Florida 4-Point form, signed and ready to submit
FAQ
Frequently Asked Questions
- What is a 4-point inspection?
- A 4-point inspection is a focused report on four systems: roof, electrical, plumbing, and HVAC. It documents the age and condition of each, along with any deficiencies. It is not a full home inspection — it exists so an insurance carrier can decide whether to write or renew a policy.
- Do I need a 4-point inspection in Florida?
- If your home is older, most Florida carriers will require one before binding or renewing coverage. The age at which it applies varies by carrier, and some require it only at renewal. Your insurance agent will tell you whether yours is needed — call them before you schedule.
- How much does a 4-point inspection cost in Florida?
- Ours is $150 on its own. Bundled with a wind mitigation inspection it is $250 for both — one visit, both forms. If you are already booking a residential, condo, pre-listing, or new construction inspection, you can add both the 4-point and wind mitigation for $100.
- How long does a 4-point inspection take, and when do I get the form?
- The inspection itself typically takes under an hour, since it covers four systems rather than the whole house. We deliver the completed form the same day or the next morning — fast enough to keep an insurance binder or a closing on schedule.
- Can a 4-point inspection fail?
- No. A 4-point report is not pass or fail. It records the condition of four systems, and the carrier decides what it means for your policy. Older wiring, an aging roof, or certain panel brands may prompt questions from an underwriter, but that is the carrier's call, not ours.
- What is the difference between a 4-point and a full home inspection?
- A full residential inspection is a 400+ point walkthrough of the entire property, written for you as the buyer. A 4-point covers only roof, electrical, plumbing, and HVAC, and is written for your insurer. Buyers of older homes often need both.
Related
Other inspections you may need.
Wind Mitigation Inspection
The Florida-specific report that documents your home's wind-resistant features for your insurer.
Residential Home Inspection
The full picture before you sign — 400+ point walkthrough, photo-documented.
Air Quality Test
Professional air sampling for mold spores and indoor air quality — lab-analyzed.
Where we work
4-Point Inspection in Florida — cities we serve
We provide 4-point inspection across South and Central Florida. Learn more about our coverage in your city:
Ready to schedule your 4-point inspection?
Most inspections booked within 48 hours. Reports back within 24–48 hours of the walkthrough.