4-Point Inspection in Boca Raton & South Florida

The focused insurance inspection Florida carriers require for older homes. All four systems documented with photos, report delivered same day.

If your home is more than 20 years old, there is a good chance your insurance company will ask for a 4-point inspection before issuing or renewing your policy. It is a short, focused report covering the four systems that drive most insurance claims: the roof, the electrical system, the plumbing, and the HVAC.

Unlike a full home inspection, the 4-point is written specifically for underwriters. It answers their questions in their language: how old is each system, what type is it, and what condition is it in right now. We deliver exactly that, with clear photos, the same day.

The Four Points, Explained

1. Roofing

We document the roof covering type, its approximate age, and its overall condition, including any active leaks, damaged materials, or signs that replacement is approaching. The roof is the first thing underwriters look at, and in Florida it is the most common reason a policy gets flagged.

2. Electrical

We identify the panel brand and type, the wiring methods used in the home, and any safety concerns such as double-tapped breakers, outdated panels, or cloth-insulated wiring. Certain panels and wiring types are known risks that insurers want to know about.

3. Plumbing

We note the supply and drain pipe materials, the age and condition of the water heater, and any active leaks or corrosion. Polybutylene supply piping and aging cast-iron drains are common findings in South Florida homes of a certain era.

4. HVAC

We record the age, type, and condition of the heating and cooling equipment, including the air handler and condenser. Systems past their typical service life are flagged so the insurer can assess the risk.

The 20 to 30 Year Rule

Most carriers start requiring 4-point inspections when a home passes 20 to 30 years of age, though the exact threshold varies by company. If you are buying an older home, order the 4-point early in your inspection window so there are no surprises with your insurance quote before closing.

What If Something Comes Back Flagged?

A flagged item is information, not a verdict. It tells you what the insurer will likely ask about, which means you can get contractor quotes, negotiate credits with the seller, or plan the update on your own timeline. Many of our clients use the 4-point as a punch list for prioritizing improvements.

Bundle with a Wind Mitigation Inspection →