4-Point Inspection in Kendall, FL
Florida homeowners insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older. Kendall's 1970s–1980s CBS housing stock broadly meets or exceeds this threshold, and much of the 1990s stock is approaching it. In Miami-Dade's challenging insurance market — where many private carriers have exited and Citizens Insurance is the insurer of last resort for many homeowners — a clear, accurate 4-point report is especially important. We deliver insurer-ready reports for homeowners and buyers throughout Kendall.
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. Kendall's 1970s–1980s homes may have original roofing or roofs replaced once. Insurers pay close attention to roof age and material — an aging or flat roof can be a condition of coverage or trigger a more detailed carrier review.
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 Kendall's subtropical climate, HVAC systems run nearly year-round — units from the 1970s–1980s homes' original build-out are well past expected service life and may be flagged by insurers as a condition of coverage.
Why Kendall homeowners need a 4-point inspection
Kendall's 1970s–1980s CBS housing stock broadly exceeds the 25-year threshold Florida insurers apply for 4-point inspection requirements — and much of the 1990s stock is approaching it. In Miami-Dade's challenging insurance market, where many private carriers have exited and Citizens Insurance is the insurer of last resort for many homeowners, a clear and accurate 4-point report is essential for 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.
- Kendall is within Miami-Dade County's most challenging insurance market — many private carriers have exited and Citizens Insurance is the insurer of last resort for many homeowners. Virtually all of Kendall's 1970s–1980s CBS homes now exceed the 25-year 4-point threshold. A clear, accurate report helps ensure coverage can be bound or renewed without unnecessary delays.
- 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 Kendall schedule a wind mitigation inspection in Kendall 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 Kendall and Miami-Dade County
We serve Kendall and the surrounding Miami-Dade County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Kendall ZIP codes served include 33173, 33176, 33183, 33186, 33193, and 33196. For service area details, see our Miami-Dade County service area page.
Common questions about 4-point inspection in Kendall
What is a 4-point inspection?
When is a 4-point inspection required in Kendall?
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 Kendall?
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.