4-Point Inspection
A focused evaluation of the four major systems — roof, electrical, plumbing, and HVAC — that insurance carriers use to assess a home before issuing or renewing a homeowners policy. Available throughout Central and South Florida — from Greater Orlando through Miami, coast to coast.
What a 4-point inspection covers
A 4-point inspection focuses exclusively on the four systems insurance carriers evaluate when deciding whether to issue or renew a homeowners policy: roof, electrical, plumbing, and HVAC.
Roof
Age, condition, and materials. Carriers frequently flag roofs over 15–20 years old or certain flat-roof materials before binding coverage.
Electrical
Panel type, breakers, and wiring materials. Aluminum wiring and certain panel brands may require remediation before coverage is issued.
Plumbing
Supply and drain materials and water heater age. Polybutylene piping or aging galvanized lines commonly trigger insurer scrutiny.
HVAC
Heating, ventilation, and air conditioning — equipment age and condition. Units over 15 years or in poor condition are commonly flagged by insurers.
When a 4-point inspection may be requested
Florida insurance carriers commonly require a 4-point inspection before issuing or renewing a homeowners policy on older homes. Requirements vary by carrier — confirm with your insurer or agent.
- Florida insurance carriers often require a 4-point inspection on homes 25 years old or older before issuing or renewing a homeowners policy. This is one of the most common uses of this report in the state.
- Buyers of older homes frequently need the inspection completed before closing to satisfy their insurance carrier's requirements — delaying the inspection can delay coverage and the closing itself.
- Homeowners switching insurance carriers or refinancing are sometimes required to provide a current 4-point inspection, even if one was done previously.
- Without the report, an insurer may decline coverage or cancel at renewal — leaving the homeowner without required insurance and potentially affecting their mortgage.
- Many homes across Central and South Florida were built in the 1970s and 1980s, putting them squarely in the age range most insurers flag for 4-point documentation.
Cost and what to expect
Pricing depends on home size, age, and inspection needs. Call (954) 899-3713 for current availability and a quick quote — no forms, no waiting.
Most 4-point inspections are completed in 45 minutes to 1.5 hours depending on the size and condition of the home. Your digital report is typically delivered within 24 hours.
Also need a wind mitigation inspection?
Many Florida homeowners schedule a wind mitigation inspection alongside their 4-point inspection. Both are insurance-related and can be completed in the same visit, saving time and potentially reducing the combined cost. See our Florida insurance inspection guide for an overview of which inspection your carrier is asking for. If you are buying a home, a buyer's home inspection covers the full property and is separate from the 4-point report.
Serving Central and South Florida
This inspection service is available throughout our Central and South Florida service area — from Greater Orlando through Brevard County, the Treasure Coast, Palm Beach County, Broward County, and Miami-Dade County. See our service areas page for full coverage details.
Need this service in Palm Bay specifically?
Based in Palm Bay, we serve Brevard County, Greater Orlando, the Treasure Coast, and select Florida markets from Orlando toward South Florida. Dedicated local pages are available for Palm Bay, Melbourne, Orlando, Kissimmee, and Winter Park. For other markets, visit our service areas page or call us to confirm availability for your location.
Common questions about 4-point inspections
What is a 4-point inspection?
When is a 4-point inspection required in Florida?
Does a 4-point inspection guarantee insurance coverage?
Is a 4-point inspection the same as a full home inspection?
Can I schedule a wind mitigation inspection at the same time?
How do I schedule a 4-point inspection?
Ready to schedule your inspection?
Call or fill out the online form — we respond quickly and offer same-week availability. Reports delivered within 24 hours.