4-Point Inspection in Fort Lauderdale, FL
Florida homeowners insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older. In Fort Lauderdale, Broward County's high-scrutiny insurance market and a large stock of pre-2000 homes make this one of the most commonly requested inspections — we deliver clear, insurer-ready reports with fast turnaround.
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 Fort Lauderdale, insurers closely scrutinize roof age and material type — older asphalt shingles, flat or modified bitumen roofs common in South Florida, and roofs past their expected lifespan are frequently 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 Broward 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 Fort Lauderdale, HVAC systems run nearly year-round under demanding heat and humidity — aging or undersized units may be flagged by insurers as a condition of coverage.
Why Fort Lauderdale homeowners need a 4-point inspection
Broward County's housing stock spans a wide range of ages — from post-war bungalows near downtown Fort Lauderdale to mid-century waterfront homes along the Intracoastal. Many fall squarely in the range Florida insurers flag for 4-point documentation before binding or renewing coverage, particularly as policies change hands or homes approach and pass the 25-year threshold.
- 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.
- South Florida's homeowners insurance market is among the most scrutinized in the country. Fort Lauderdale homeowners regularly face insurer requests for updated 4-point and wind mitigation documentation — particularly at policy renewal, during a property transaction, or when a home is 25 years or older. Many carriers in Broward County require both reports before binding or renewing a policy. Buyers in the South Florida market often face compressed closing timelines, making fast report turnaround critical.
- 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 Fort Lauderdale schedule a wind mitigation inspection in Fort Lauderdale 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. If a buyer's inspection or termite inspection is also needed, we can often accommodate all three in the same visit — call (954) 899-3713 to ask about combined scheduling.
Serving Fort Lauderdale and Broward County
We serve Fort Lauderdale and the surrounding Broward County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Fort Lauderdale ZIP codes served include 33301, 33304, 33305, 33308, 33311, 33312, 33315, 33316, 33317, and 33334. Coverage extends to Wilton Manors, Oakland Park, Pompano Beach, Plantation, Davie, Hollywood, Dania Beach, and surrounding Broward County communities. Visit our Broward County service area page for more detail.
Common questions about 4-point inspection in Fort Lauderdale
What is a 4-point inspection?
When is a 4-point inspection required in Fort Lauderdale?
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 Fort Lauderdale?
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.