Four Point Insurance Inspections
What is a Four-Point Inspection?
Insurance companies require A “4 Point Inspection,” which is a detailed inspection that focuses on four central systems in a home:
•HVAC (Heating, Ventilation, and Air Conditioning)
•Electrical wiring, panels, and breakers
•Plumbing connections, drains, and fixtures
•Roof age and condition
The Four Point Inspection and report describes the condition and age of these systems. Insurance companies require this report for homes that are older than 25 years.
The purpose of the 4-Point Inspection is to ensure that the systems inspected are in good working condition and will not be a liability to the insurance companies.
For instance, a home with a roof nearing the end of its useful life may fail, and the homeowner may seek reimbursement from the insurance company for damages to the home or its contents.
Similar concerns extend to the condition of the HVAC, electrical, and plumbing systems in an older home. If any methods are in poor condition, the insurance company may require you to fix or replace the system before issuing a homeowners policy.
Do I need a Four-Point Inspection?
When you change insurance companies or buy a home that is 25 years or older, you will need a 4 Point Inspection before obtaining homeowners insurance.
Newer homes with newer systems are assumed not to have as much of a possibility of liability to the insurance companies, so a Four Point Inspection is usually not required on more contemporary homes.
Who pays for the Four Point Inspection?
Insurance companies require a 4-point report. The home buyer typically pays for the four-point inspection. Advanced Home Inspection of Florida charges $125.00 for the Four Point Inspection and Report. The 4 Point Inspection is FREE with all complete Home Inspections. See our price list.
Who can perform the inspection and sign off on the report?
A Florida-licensed Home Inspector or a General Contractor must do the inspection and sign the report. We are certified as both Home Inspectors and General Contractors.
Can I use the Home Inspection Report that I had on my new home in place of a 4 Point Inspection?
No, the insurance companies do not accept Home Inspection Reports in place of a Four Point Report.
Advanced Home Inspections of Florida services Palm Harbor, Tarpon Springs, Clearwater, Largo, St Petersburg, Oldsmar, and most other surrounding cities in Pinellas, Pasco, and Hillsborough Counties for 4-Point, wind mitigation, and complete home inspections. Call Shawn Today for your instant quote. (727)417-4432
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