4-Point Inspection in Boca Raton, FL
Florida insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older — and in Boca Raton, where a large portion of housing stock was built between the 1960s and 1990s, this is one of the most common inspection requests. We deliver clear, insurer-ready reports for Boca Raton homeowners, buyers, and sellers.
What a 4-point inspection covers
A 4-point inspection documents the condition and age of the four systems Florida insurance carriers consider highest-risk. Each system is evaluated and included in a written report formatted for insurer submission.
Roof
Age, condition, and materials. In Boca Raton, roof age and material type are significant underwriting factors. Older East Boca properties often have flat or low-slope roofs; newer West Boca homes frequently have concrete tile. Either way, the report documents age and visible condition for the insurer.
Electrical
Panel type, breaker condition, and visible wiring. Aluminum wiring and certain older panel brands may require remediation before coverage is issued. Older Palm Beach County homes may have panels or wiring that trigger insurer review.
Plumbing
Supply and drain line materials and water heater age. Polybutylene piping or aging galvanized lines commonly trigger insurer scrutiny. The inspection documents what your insurer needs to approve coverage.
HVAC
Age, condition, and operation of heating and cooling equipment. In Boca Raton's year-round heat, HVAC systems run harder and wear faster — aging units are commonly flagged by insurers reviewing the 4-point report.
Why Boca Raton homeowners need a 4-point inspection
Boca Raton has one of Palm Beach County's most insurance-active real estate markets. A large portion of the city's housing stock — particularly in East and Central Boca — falls within the age range Florida carriers flag for 4-point documentation before binding or renewing coverage.
- Florida insurance carriers often require a 4-point inspection on homes 25 years old or older before they will issue or renew a homeowners policy. Without the report, your insurer may delay, condition, or decline coverage.
- Boca Raton's homeowners insurance market is shaped by Palm Beach County's high-wind zone classification and the city's coastal geography. Insurance carriers routinely require 4-point inspections for properties 25 years or older — a threshold that covers most homes in East and Central Boca, plus older condo buildings throughout the city including Century Village. Buyers of older Boca Raton properties — especially east of US-441 or on the barrier island — should expect insurance documentation to be part of the transaction.
- Buyers purchasing older homes frequently need the inspection completed before closing to satisfy insurance requirements from their carrier.
- The report also surfaces deferred maintenance issues early — giving homeowners a chance to address problems before they grow more costly or affect a sale or renewal.
- Combining a 4-point inspection with a wind mitigation inspection in one visit saves time and may reduce the total cost of the two inspections.
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.
The on-site inspection typically takes 45 minutes to 1.5 hours. Your digital report is formatted for insurer submission and delivered within 24 hours.
4-Point + Wind Mitigation — schedule both in one visit
Many Boca Raton homeowners schedule a wind mitigation inspection in Boca Raton alongside the 4-point inspection in one visit. The wind mitigation report documents wind-resistant features that the insurer may review for potential credits. Scheduling both together saves time and may reduce the combined cost. Ask about adding a buyer's inspection or termite inspection to the same visit.
Serving Boca Raton and Palm Beach County
We serve Boca Raton and the surrounding Palm Beach County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Boca Raton ZIP codes served include 33431, 33432, 33433, 33434, 33486, 33487, 33496, 33498. Coverage extends to nearby Palm Beach County communities. For service area details, see our Boca Raton service area page.
Common questions about 4-point inspection in Boca Raton
What is a 4-point inspection?
When is a 4-point inspection required in Boca Raton?
What does a 4-point inspection include?
How long does a 4-point inspection take?
Is a 4-point inspection the same as a full home inspection?
Can I schedule wind mitigation at the same time?
How do I schedule a 4-point inspection in Boca Raton?
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.