4-Point Inspection in Broward County, FL
Broward County's housing stock — much of it built between the 1960s and 1990s — means that 4-point inspections are a routine part of property ownership, buying, and selling across the county. Whether you're renewing Citizens Insurance, purchasing an older home, or switching carriers, we deliver clear, insurer-ready reports for Broward County homeowners, buyers, and sellers.
What a 4-point inspection covers in Broward County
A 4-point inspection documents the condition and age of the four systems Florida insurance carriers consider highest-risk. In Broward County — part of Florida's High Velocity Hurricane Zone — these findings carry particular weight in underwriting decisions for Citizens Insurance and private carriers alike.
Roof
Age, materials, and visible condition. Broward County is in Florida's HVHZ, where roof standards are among the most stringent in the country. Carriers scrutinize roof age especially closely — Citizens Insurance commonly requires a roof to have remaining useful life for policy issuance.
Electrical
Panel type, condition, and visible wiring. Older Broward homes may have Federal Pacific or Zinsco panels — problem panels that many carriers flag or decline to insure. The 4-point report documents panel type and condition for your insurer.
Plumbing
Supply pipe material, water heater age and condition, and visible connections. Polybutylene or galvanized plumbing in older Broward properties can trigger carrier concerns or coverage denials — the report gives your insurer a clear picture.
HVAC
Heating and cooling equipment age and condition. South Florida's climate means HVAC systems run year-round, accelerating wear. Carriers review HVAC age as part of the 4-point evaluation — older units past their expected life can affect policy issuance.
Why Broward County homeowners and buyers need 4-point inspections
Broward County's insurance market is among the most demanding in Florida. Citizens Insurance — the state's insurer of last resort and one of the most common carriers in South Florida — requires 4-point documentation for homes of a certain age before it will issue or renew a policy. Private carriers have similar requirements.
- Most Florida insurance carriers require a 4-point inspection for homes 25 to 30 years or older before issuing or renewing homeowners coverage. In Broward County, where a large share of the housing stock was built in the 1970s and 1980s, this requirement applies to a significant portion of the market.
- Broward County is fully within Florida's High Velocity Hurricane Zone (HVHZ) — the nation's most stringent wind-load classification. Insurers operating in South Florida underwrite with HVHZ conditions in mind. A 4-point report gives your carrier the documentation it needs to issue or renew coverage.
- Citizens Insurance is the dominant carrier for many Broward County properties. Citizens has specific 4-point requirements that differ from some private carriers — our reports are formatted to meet Citizens' documentation standards.
- Post-Hurricane Andrew (1994) building code changes significantly improved construction standards across South Florida. Homes built before 1994 may have roofing, electrical, and structural systems that predate these improvements — a fact that matters in the insurance underwriting process.
- Pairing a 4-point inspection with a wind mitigation inspection — often completed in the same visit — lets Broward County homeowners satisfy multiple insurance requirements efficiently and may reduce annual premium costs.
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 — formatted for Citizens Insurance and private carrier submission — is typically delivered within 24 hours.
4-Point + Wind Mitigation — schedule both in one visit
Many Broward County homeowners schedule their 4-point and wind mitigation inspections together in a single visit. A wind mitigation inspection in Fort Lauderdale, Pembroke Pines, Coral Springs, or your specific city documents your home's HVHZ-relevant features — hip roof, hurricane straps, impact windows — and may qualify you for Citizens Insurance premium credits that meaningfully reduce your annual cost. City-specific 4-point inspection pages: Fort Lauderdale, Hollywood, Coral Springs, Pembroke Pines, Miramar, Pompano Beach, Deerfield Beach. Ask about bundling when you call.
Serving Broward County for 4-point inspections
We serve all of Broward County for 4-point inspections, including Fort Lauderdale, Hollywood, Coral Springs, Pembroke Pines, Miramar, Pompano Beach, Deerfield Beach, and surrounding communities. Need a 4-point inspection somewhere not listed? Call us — we may be able to accommodate.
Broward County 4-point inspection service covers all major cities and communities. See our Broward County service area page for the full list of communities served and our city-specific inspection pages.
Common questions about 4-point inspections in Broward County
What is a 4-point inspection?
When is a 4-point inspection required in Broward County?
Does Citizens Insurance require a 4-point inspection in Broward County?
What does Broward County's HVHZ designation mean for a 4-point inspection?
Can I schedule a wind mitigation inspection at the same time as my 4-point inspection?
How do I schedule a 4-point inspection in Broward County?
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.