What a 4-Point Inspection Is (and Why Your Insurer Asks for One)

If you're buying or insuring an older Florida home, you'll likely need a 4-point inspection. Here's exactly what it covers and what to expect.

Many Florida insurance companies require a 4-point inspection before they'll write or renew a policy on a home that's roughly 20+ years old. Here's a plain-English breakdown of what it is and why it matters.

The four points

A 4-point inspection evaluates four core systems:

• Roof — remaining life, condition, and signs of leakage
• Electrical — panel capacity, wiring type, and safety hazards
• HVAC — age, condition, and function of the heating and cooling system
• Plumbing — supply lines, drain lines, water heater, and visible leaks

Why insurers want it

These four systems are the most common sources of insurance claims. An insurer wants to confirm they're in reasonable working order before taking on the risk.

It's not a full home inspection

A 4-point is narrower than a standard home inspection — it only covers those four systems, and it's primarily for insurance underwriting, not for a buyer's decision-making. If you're buying a home, you still want a full inspection.

Pair it with a wind mitigation

Many insurers also offer a discount with a wind mitigation inspection, which documents roof shape, roof deck attachment, and storm protection features. We can perform both in a single visit.

What to expect

The inspection takes about an hour. You'll receive a report formatted for insurance use. If a system doesn't pass, your insurer may ask for repairs or a re-inspection before binding coverage.