4-Point Inspection in Miami, FL
Florida homeowners insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older. In Miami, virtually all pre-1990s housing — CBS bungalows in Coconut Grove and Little Havana, 1970s–1980s condo towers in Brickell and Edgewater — meets or exceeds this threshold. With many private carriers reduced or gone from Miami-Dade and Citizens Insurance as the insurer of last resort for many homeowners, a clear, insurer-ready 4-point report matters more here than almost anywhere in Florida. 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. Miami's housing stock spans multiple roof types — asphalt shingle and barrel tile on CBS single-family homes, flat built-up or membrane roofs on 1970s–1980s condo towers, and newer flat or metal roofs on post-2002 construction. Older roofs approaching or past their expected service life are commonly flagged before coverage is issued or renewed in Miami-Dade's tight insurance market.
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's subtropical climate, HVAC systems run nearly year-round — the combination of intense heat, high humidity, and continuous use accelerates wear. Aging units are commonly flagged by insurers, particularly in older Miami-Dade County condominiums and pre-1990s single-family homes where systems may be well past their expected service life.
Why Miami homeowners need a 4-point inspection
Miami-Dade County has housing stock across a wide age range — 1940s–1960s CBS bungalows, 1970s–1980s condo towers, and 1990s–2000s planned communities — and virtually all pre-1990s stock meets or exceeds the 25-year threshold Florida insurers apply for 4-point requirements. In Miami's difficult insurance market, where many private carriers have reduced or exited and Citizens Insurance covers a significant share of homeowners, having a clear, complete 4-point report reduces friction at 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.
- Miami sits at the center of Florida's most challenging homeowners insurance market. Many private carriers have reduced or exited Miami-Dade County entirely, and Citizens Insurance is the insurer of last resort for a significant portion of Miami homeowners and condominium associations. Florida insurers commonly require 4-point inspections on homes and condo units 25 years or older — virtually all pre-1990s Miami stock meets or exceeds this threshold. 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. Condominium associations in older towers often face carrier scrutiny for aging mechanical systems, roofing, and electrical — 4-point documentation is frequently required at renewal.
- 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 Miami schedule a wind mitigation inspection in Miami 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 Miami and Miami-Dade County
We serve Miami and the surrounding Miami-Dade County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Miami ZIP codes served include 33101, 33109, 33125, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33134, 33135, 33136, 33137, 33138, 33139, 33140, 33141, 33142, 33143, 33144, 33145, 33146, 33147, 33149, 33150, 33155, 33157, 33158, 33160, 33161, 33162, 33163, 33165, 33167, 33168, 33169, 33170, 33172, 33174, 33175, 33176, 33177, 33179, 33180, 33181, 33182, 33183, 33184, 33185, 33186, 33187, 33189, 33190. For service area details, see our Miami-Dade County service area page.
Common questions about 4-point inspection in Miami
What is a 4-point inspection?
When is a 4-point inspection required in Miami?
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 Miami?
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.