4-Point Inspection in Miami-Dade County
Citizens Insurance and most South Florida carriers require a 4-point inspection before issuing or renewing homeowner's policies on older properties throughout Miami-Dade County. Our licensed inspector evaluates the four systems insurers care about most and delivers a report accepted by all major Florida insurance companies.
What a 4-Point Inspection Covers in Miami-Dade
A 4-point inspection is a focused evaluation of the four systems insurance companies use to assess risk in Florida homes. In Miami-Dade — where properties face HVHZ conditions and a dense aging housing stock — these systems receive especially close scrutiny from underwriters.
Roofing System
We document roofing material, estimated age, visible condition, and any active leaks or prior repairs. Roof age is the primary driver of insurance surcharges and coverage denials in Miami-Dade.
Electrical System
We identify panel brand, amperage, wiring type (aluminum, knob-and-tube, copper), and any double-taps or open knockouts. Flagged panel brands like Federal Pacific and Zinsco are common in pre-1980s Miami-Dade homes.
Plumbing System
We evaluate supply and drain line materials, water heater age and condition, and any visible signs of active leaks. Galvanized and polybutylene supply lines are red flags for Miami-Dade underwriters.
HVAC System
We document the age, brand, and condition of your air handler and condenser. Insurance companies commonly restrict coverage on HVAC systems over 15–20 years old.
Citizens Insurance & the Miami-Dade 4-Point Reality
Miami-Dade County sits entirely within Florida's HVHZ, making insurance underwriting stricter here than almost anywhere else in the state. Citizens Insurance — the carrier of last resort for many South Florida homeowners — requires a current 4-point inspection for homes over a certain age. Our reports meet all formatting requirements and are accepted by Citizens and all private carriers operating in Miami-Dade.
- Required by Citizens Insurance for most homes 30+ years old in Miami-Dade
- Accepted by all private insurance carriers operating in South Florida
- Identifies system ages and conditions before your insurer's inspector does
- Helps homeowners shop coverage by knowing their property's risk profile upfront
- Bilingual reporting supports Miami-Dade's diverse ownership community
4-Point Inspection Pricing in Miami-Dade County
Standalone 4-point inspections are priced based on property type and square footage. Call (954) 899-3713 for a fast quote. Bundling with a wind mitigation inspection is the most cost-effective option for most Miami-Dade homeowners.
Your Citizens-compliant 4-point report is delivered digitally within 24 hours — ready to submit directly to your insurance agent.
Combine 4-Point + Wind Mitigation in One Visit
Most Miami-Dade homeowners need both a 4-point inspection and a wind mitigation inspection for Citizens Insurance. Scheduling both in a single visit eliminates the need for two separate appointments and reduces total inspection cost. Ask about bundle pricing when you call.
4-Point Inspections Across Miami-Dade County
We perform 4-point inspections throughout Miami-Dade County — from aging Miami Beach condos to Hialeah single-family homes and newer Kendall and Doral communities.
City-specific 4-point pages: Miami, Hialeah, Coral Gables, Doral, Kendall. See the Miami-Dade County hub for full coverage details.
4-Point Inspection FAQ — Miami-Dade County
Does my Miami-Dade condo need a 4-point inspection?
What happens if my roof fails the 4-point inspection?
How long is a 4-point inspection report valid in Florida?
Can I get a 4-point inspection the same week I request it?
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.