Learn what a Four-Point Inspection in Florida is, why insurance companies require it, and how it differs from a full home inspection. Find out what’s included and when you’ll need one.
What Is a Four-Point Inspection in Florida?
A Four-Point Inspection is a specialized home inspection that evaluates the four main systems of a property:
Roof – Age, material, and condition. Florida’s storms make roof integrity a top priority for insurers. Electrical System – Type of wiring, age of panel, and overall safety. Older or recalled panels (like Federal Pacific or Zinsco) may raise red flags. Plumbing System – Pipe materials, condition, and water heater age. Outdated materials like polybutylene or galvanized pipes are often a concern. HVAC System – Heating and cooling equipment age, condition, and functionality. Central heat and air are typically required by insurance carriers in Florida.Why Do Insurance Companies Require a Four-Point Inspection in Florida?
Florida insurance companies often require a Four-Point Inspection for homes that are 20 years or older. These reports help them determine the risk of insuring the property. Older systems are more likely to fail, leading to water damage, fires, or expensive claims.
Without a completed Four-Point Inspection, many insurers will not provide coverage.
Four-Point Inspection vs. Full Home Inspection
It’s important to know that a Four-Point Inspection is not the same as a full home inspection.
Four-Point Inspection – Focuses only on roof, electrical, plumbing, and HVAC for insurance purposes. Full Home Inspection – Covers the entire property, including structure, foundation, windows, doors, and appliances.If you’re buying a home, a full inspection gives you the bigger picture, while a Four-Point Inspection ensures you can obtain insurance.
When Do You Need a Four-Point Inspection in Florida?
Buying an older home (typically 20+ years old) Renewing your homeowner’s insurance policy Switching to a new insurance company Before hurricane season, to ensure insurabilityBenefits of a Four-Point Inspection
Meets insurance requirements Identifies issues before they become costly repairs Provides peace of mind about your home’s major systems Helps oid delays in closing on a property purchaseWhy Hire a Licensed Florida Home Inspector?
Florida insurance companies require that Four-Point Inspections be completed by a licensed home inspector, building contractor, or engineer. Choosing a qualified inspector ensures that your report is accepted by your insurance carrier and accurately reflects your home’s condition.
✅ Bottom Line:
A Four-Point Inspection in Florida is a critical step in securing homeowner’s insurance, especially for older homes. By working with a licensed home inspector, you’ll get a reliable report that protects your investment and keeps your home insurable