What Is a 4-Point Inspection?
A 4-point inspection is a specialized report required by most Florida homeowners insurance carriers, especially for homes over 25–30 years old. It focuses on four key systems that insurance companies use to assess the risk of insuring a property.
Unlike a general home inspection, a 4-point doesn't evaluate the entire home — it zeroes in on the roof, electrical, plumbing, and HVAC systems. The report is used by insurers to determine whether to issue a policy, what rate to charge, and what exclusions may apply.
The 4 Points Inspected
- Roof — material type, age & condition
- Roof — evidence of leaks or damage
- Electrical panel type & condition
- Electrical wiring type (copper, aluminum)
- Plumbing supply & drain material type
- Water heater age & condition
- HVAC system type, age & condition
- Evidence of updates or modifications
Why Florida Requires 4-Point Inspections
Florida's unique climate — high humidity, hurricane risk, and extreme heat — puts enormous stress on home systems. Insurance carriers use 4-point reports to identify high-risk properties before issuing coverage. Homes with aging roofs, knob-and-tube wiring, polybutylene pipes, or outdated HVAC systems are considered higher risk and may face higher premiums or coverage denials.
A passing 4-point inspection makes the insurance process smooth and straightforward. If issues are found, knowing them upfront allows you to address them strategically before coverage becomes a problem.
FREQUENTLY ASKED QUESTIONS
Most Florida insurance carriers require a 4-point inspection for homes that are 25–30 years or older. Some carriers require them for homes as young as 15 years. Check with your insurer for their specific requirements.
No — a 4-point inspection only covers four systems and is designed for insurance purposes. For a comprehensive evaluation of the home's overall condition, a general home inspection is recommended separately.
Most insurance companies accept 4-point reports for 1 year. Some may require a new inspection if more than 90 days have passed. Always confirm with your specific insurer.
A "failed" inspection doesn't necessarily mean you can't get coverage — it may mean higher premiums or exclusions for certain systems. In some cases, repairs to the deficient systems can resolve the issue. Adrian can guide you on next steps.