4-Point Inspection

The goal of a Florida 4-Point Inspection is to determine the age and condition of the four most vital systems of your home, including:

  • Roof:  The roof is inspected for common issues, including possible leaks and damaged and/or deteriorated shingles. This inspection estimates life expectancy remaining on the shingles.
  • Electrical:  Your home’s electrical system and wiring are inspected for issues such as faulty wiring, or wear and tear, which is the major cause of electrical fires in older homes.
  • Plumbing:  The water pipes are checked for condition, style and material. The water heater is inspected for proper installation.
  • Heating, Ventilation and Air Conditioning (HVAC):  Your heating system and air conditioning are carefully inspected to determine their condition and suitability for properly heating and cooling your home.

Is a 4 point Inspection Important?

A majority of insurance companies are reluctant to insure older homes, especially those that are more than 30 years old. Experience has shown (understandably) that older homes tend to generate more claims than newer homes. The major concern is that the poor condition of older homes presents a huge liability, which threatens the insurers’ bottom line. Most insurance companies therefore insist on a 4-Point Inspection before issuing a homeowner’s insurance policy on homes older than 30 years. We use the standard Florida 4-Point Inspection form, which is accepted by all insurance companies nationwide.