4 Point Inspection
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in your home. An insurance company wants to know that your home has been well maintained, and the major systems are in good working condition.
You Get The Report Before We Leave The Property
Same Day Scheduling
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What We Check For
Some insurance companies like Citizens Insurance, require the inspector to use their form. Other insurance companies allow the inspector to use their preferred format. In addition to the written report, the inspector will take photos of each of the major systems to provide to the insurance company.
- Roof: Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
- Electrical System: The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
- HVAC: Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
- Plumbing System: Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks? The age of the hot water heater.
Roof Checked For Defects
The roof will be checked for cracks, cupping, curling, and any other sings of damage. The age of the roof will be documented along with all the permit information.
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Required For Home Owners Insurance
This type of report gives a clear understanding of the house 4 main structures to insurance companies. If you own or purchase an older home, rental property, or condo in Florida, you will likely need for a 4 point inspection before purchasing a homeowners policy.
Can a home fail it's 4 Point Inspection?
If your home has problematic systems, or does not meet an insurance companies underwriting guidelines, you may be declined. If this happens, you can fix that issue, or contact another insurance company.
Common Ways Your Home Can Fail:
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A shingle roof that is over 19 years old
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A tile roof or metal roof over 40 years old
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A damaged roof
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Aluminum wiring or knob and tube wiring due to fire hazards
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Certain brands of electric panels including Federal Pacific, Zinsco, Challenger, and Slyvania due to fire hazard
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Home without central heat and air
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Polybutelene plumbing due to the high risk of plumbing bursts.
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A hot water heater over 18 years old.
4 Point Inspection
Service Name
A 4 point inspection
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
$150
+
1$ Per Mile
4 Point Inspection/Wind Mitigation Combo
Service Name
A full wind mitigation inspection valid up to 5 years in length
A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.
+
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
$200
+
1$ Per Mile
Frequently asked questions
