4-Point Inspection in Coral Gables, FL
Florida homeowners insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older. In Coral Gables, that threshold captures virtually all pre-1990s housing — from the 1920s–1930s Mediterranean Revival estates near Biltmore Way to mid-century CBS bungalows throughout the residential grid to 1970s–1980s condominiums along Bird Road and US-1. Miami-Dade's difficult insurance market — where many private carriers have reduced or exited and Citizens Insurance is the dominant insurer for many homeowners — makes a clear, accurate 4-point report especially important. We deliver reports delivered within 24 hours formatted for insurer submission.
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. Coral Gables has diverse roof types: clay or concrete barrel tile on Mediterranean Revival homes (which can last decades but must be evaluated for age and condition), asphalt shingle on mid-century CBS construction, and flat membrane roofs on condominiums. Miami-Dade insurers pay close attention to roof age and material — aging or flat roofs may be flagged before coverage is bound or renewed.
Electrical
Panel type, breaker condition, and visible wiring. Aluminum wiring and certain older panel brands may require remediation before coverage is issued. Older Miami-Dade 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 Miami-Dade's subtropical climate, HVAC systems run nearly year-round — a combination of continuous use and intense heat accelerates wear. For the many Coral Gables homes built before 1990, HVAC systems may be at or past their expected service life and are commonly flagged by insurers as a condition of coverage.
Why Coral Gables homeowners need a 4-point inspection
Coral Gables' housing stock spans nearly a century of development — from 1920s Mediterranean Revival estates to 1980s condominiums — and virtually all pre-1990s construction meets the 25-year threshold Florida insurers apply for 4-point requirements. In Miami-Dade's challenging insurance market, where many private carriers have reduced or exited and Citizens Insurance covers a significant share of homeowners and condominium associations, having a clear, complete 4-point report reduces friction at policy renewal and when purchasing 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.
- Coral Gables is within Miami-Dade County's insurance market — one of the most challenging in Florida and the US. Many private carriers have reduced or exited Miami-Dade entirely, and Citizens Insurance is the insurer of last resort for a significant portion of Coral Gables homeowners and condominium associations. Florida insurers commonly require 4-point inspections on homes 25 years or older — virtually all pre-1990s Coral Gables housing meets this threshold, and much of the 1990s stock is at or approaching it. Wind mitigation inspections are relevant throughout: HVHZ-qualifying features like hip roofs, impact windows, Miami-Dade Product Approval (NOA) shutters, and stronger roof-to-wall connections may allow insurers to apply credits.
- 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 homeowners in Coral Gables schedule a wind mitigation inspection in Coral Gables 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.
Serving Coral Gables and Miami-Dade County
We serve Coral Gables and the surrounding Miami-Dade County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Coral Gables ZIP codes served include 33133, 33134, 33143, 33146, and 33156. For service area details, see our Coral Gables service area page or the Miami-Dade County service area page.
Common questions about 4-point inspection in Coral Gables
What is a 4-point inspection?
When is a 4-point inspection required in Coral Gables?
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 Coral Gables?
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.