The 4-Point Inspection: What Florida Homeowners Need to Know
If your home is over 20 years old, your insurance company likely requires a 4-point inspection. Here is what it covers, why it matters, and how to prepare.
What It Is and Why Insurers Want It
A 4-point inspection is a focused report on the four systems that generate most homeowner insurance claims: roofing, electrical, plumbing, and HVAC. Florida insurers typically require it for homes 20 to 30 years or older before they will issue or renew a policy. The logic is straightforward: older systems fail more often, and the insurer wants to know the age, type, and condition of each one before taking on the risk.
The Four Points in Detail
Roofing: we document the covering type, approximate age, and current condition, noting any active leaks, damaged materials, or signs that replacement is near. The roof gets the most scrutiny because it drives the most claims.
Electrical: we identify the panel manufacturer and type, the wiring methods in the home, and any safety concerns like double-tapped breakers or outdated panels. Certain panels and wiring types are known risks that underwriters flag immediately.
Plumbing: we record supply and drain materials, the water heater's age and condition, and any active leaks or corrosion. Polybutylene supply lines and aging cast-iron drains are common findings in South Florida homes of a certain era.
HVAC: we note the age, type, and condition of the air handler and condenser. Equipment past its typical service life gets flagged so the insurer can assess the risk.
How to Prepare (and What Happens If Something Is Flagged)
Preparation is simple: clear access to the electrical panel, water heater, HVAC equipment, and attic access, and have the ages of your major systems handy if you know them. The inspection takes 45 minutes to an hour, and your report arrives the same day.
If something comes back flagged, treat it as information, not a verdict. It tells you what your insurer will ask about, which means you can get contractor quotes, negotiate with the seller if you are buying, or plan the upgrade on your timeline. Many homeowners use the 4-point as a prioritized punch list. And because insurers often need a wind mitigation report too, we can complete both in a single visit.
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Schedule your inspection today and get the clarity you need to make the right decision. Same-day reports, no surprises.