4-Point Insurance Inspection
A focused inspection of your home's roof, electrical, plumbing, and HVAC systems — the report most Florida insurers require before writing or renewing a policy on an older home.
Most Florida insurance carriers require a 4-point inspection before insuring a home that's roughly 25–30 years or older, or when a homeowner switches carriers. Unlike a full home inspection, a 4-point only evaluates four systems — roof, electrical, plumbing, and HVAC — but insurers rely on it heavily to decide whether to write a policy and at what rate.
We document the age, type, and condition of each system: roof covering and estimated remaining life, electrical panel type and wiring (insurers flag outdated panel brands and aluminum wiring quickly), plumbing supply lines and water heater, and HVAC age and condition. The completed form goes straight onto the standard state insurance form your carrier expects.
Because we're already on-site evaluating these same systems, most homeowners save time and money by bundling this with a wind mitigation inspection or a full home inspection in a single visit.
What's included
- Roof covering & age
- Electrical panel & wiring type
- Plumbing supply lines & water heater
- HVAC system condition
- Delivered on standard insurer form
At a Glance
- FL License HI 12494
- Reports within 24 hours
- Miami-Dade & Broward County
4-Point Insurance Inspection FAQs
Does my home need a 4-point inspection?
If your home is roughly 25+ years old, or you're switching insurance carriers, most Florida insurers will require one before binding coverage.
Can this be combined with wind mitigation?
Yes — most homeowners get both done in the same visit since we're already evaluating the roof and structure.
Often scheduled together.
Book your inspection in Miami-Dade or Broward County.
Same-day scheduling available. Detailed, photo-backed reports delivered within 24 hours.