Insurance Required
4-Point Inspections
Required by most Florida insurance carriers for homes over 20 years old. We evaluate the four critical systems.
A 4-Point Inspection is an insurance-focused evaluation of the four major systems in your home: roofing, electrical, plumbing, and HVAC. Florida insurance companies require this inspection for most homes over 20 years old before issuing or renewing a homeowner's policy.
Is Your Home Over 20 Years Old?
Most Florida insurance carriers require a 4-Point Inspection for homes over 20 years old. Some carriers require it for homes over 15 years. Check with your insurance agent to confirm requirements.
The Four Systems We Inspect
Roofing
- Roof type and material
- Age and remaining life
- Condition and visible damage
- Flashing and penetrations
Electrical
- Main panel type and capacity
- Wiring type (copper, aluminum)
- Breakers and fuses
- Grounding and bonding
Plumbing
- Supply pipe material
- Drain pipe material
- Water heater age and condition
- Visible leaks or corrosion
HVAC
- System type and age
- Heating and cooling capacity
- Condition and operation
- Ductwork condition