Insurance inspection
4-point inspections your insurer will accept.
Insurers often require a 4-point on older homes before they'll write or renew a policy. We inspect the four systems they care about and give you the form the same day.
What we check
Roof
Covering type, age, remaining life and any signs of leaks or damage.
Electrical
Panel brand and condition, wiring type, and hazards such as double taps or missing covers.
Plumbing
Supply and drain piping material, water heater age and condition, and visible leaks.
HVAC
System age, operation and condition.
Many Florida insurers ask for a 4-point inspection on homes roughly 25 to 30 years old or more, though each company sets its own rules. If your agent asked for one, it's usually because the home's age triggered the requirement.
Certain items commonly cause problems with insurers, such as some older electrical panel brands, polybutylene piping, aging roofs, and active leaks. We document exactly what's there with photos so your agent has what they need.
If a repair is needed first, we can come back after the work is done to update the report.
Learn more
How to Prepare for a Four-Point Inspection in Florida
What to gather beforehand, what we look at, and simple fixes that help.
What Fails a 4-Point Inspection in Florida
The roof, electrical, plumbing and HVAC items insurers flag most often.
How Old Can Your Roof Be for Insurance in Florida?
The 15-year rule, the 5-year remaining-life inspection, and who can do it.
Questions
How long does a 4-point take?
About 45 minutes to an hour on site.
Can you do a wind mitigation at the same time?
Yes. Most clients book both in one visit.
What if something fails?
The report documents what's there. After repairs, we can re-inspect and update it.
Areas we serve
Other services
Home Inspection
A full visual inspection of the home's structure and systems, with a same-day report full of photos and plain-English…
Wind Mitigation
We document your home's wind-resistant features on Florida's official OIR-B1-1802 form so your insurer can apply the discounts you qualify…
Mold Inspection & Testing
A spore count alone can't tell you where the water is coming from. We check the home with a moisture meter and thermal camera before a…
Pre-Listing Inspection
A pre-listing inspection gives you time to fix, price around or disclose issues on your terms instead of renegotiating under…
New Construction & Warranty
Builders work fast. An independent inspection before closing, and again before your 11-month warranty expires, catches defects while the…
Ready to book?
Call, email or book online. We confirm within 30 minutes.