4-Point Inspection in Palm Beach County, FL
Insurers in Palm Beach County — including Citizens Insurance — commonly require a 4-point inspection for older homes before issuing or renewing a homeowner's policy; the qualifying age varies by carrier. We deliver a thorough, insurer-accepted 4-point inspection with a 24-hour report so you can meet your insurance deadline without delay.
What a 4-Point Inspection Covers
A 4-point inspection evaluates only the four major systems that insurance companies care most about. In Palm Beach County — where much of the housing stock dates from the 1970s and 1980s — these four systems are a direct window into insurance risk.
Roof
Material type, approximate age, visible condition, and signs of deterioration or prior repair. A roof at or beyond its expected lifespan is a primary Citizens Insurance concern in South Florida.
Electrical
Panel brand, type, condition, and wiring type. Federal Pacific Stab-Lok and Zinsco panels — common in older Palm Beach County homes — are frequently flagged by insurers and must be documented.
Plumbing
Supply and drain line materials, water heater age and condition. Polybutylene and galvanized pipes in older Boynton Beach and Delray Beach properties are common insurance concerns.
HVAC
Heating and cooling system age, condition, and functional status. Florida insurers want to confirm HVAC is operational and not a water damage or fire risk.
4-Point Inspections & Citizens Insurance in Palm Beach County
Palm Beach County sits squarely in Florida's high-insurance-cost corridor. Citizens Insurance — the state insurer of last resort — is one of the most common policies in the county, and its underwriting requirements include a current 4-point inspection for older homes. A failed or borderline inspection means delayed coverage, higher premiums, or a required re-inspection after repairs.
- Commonly required by Citizens Insurance and many private insurers for older homes — the qualifying age varies by carrier
- Covers the exact four systems insurers use to assess coverage risk
- Completed on insurer-accepted forms with photos and written documentation
- Report delivered within 24 hours to meet tight insurance renewal deadlines
- Bilingual service — report and discussion available in English and Spanish
- Knowledge of common Palm Beach County insurance pain points: aged roofs, legacy panels, polybutylene plumbing
4-Point Inspection Pricing in Palm Beach County
Standalone 4-point inspection pricing in Palm Beach County typically ranges from $125–$200. Bundling with a wind mitigation inspection or full buyer's inspection offers significant savings — contact us for bundle pricing.
Your 4-point inspection report is delivered electronically within 24 hours — ready to submit to your insurance carrier or agent immediately.
4-Point + Wind Mitigation Bundle — Most Popular in Palm Beach County
The most cost-effective option for Palm Beach County homeowners is to bundle the 4-point inspection in West Palm Beach or Boca Raton with a wind mitigation inspection. The 4-point is commonly required for older South Florida homes, and the wind mitigation report documents credit-eligible features — together they give Citizens and private carriers the documentation they ask for.
For buyers in Palm Beach Gardens or Boynton Beach, adding a full buyer's inspection turns an insurance-focused inspection into a complete pre-purchase due-diligence package — all in one visit.
4-Point Inspections Across Palm Beach County
We provide 4-point inspections throughout Palm Beach County for insurance purposes — fast turnaround, insurer-accepted documentation, and 24-hour turnaround.
View all Palm Beach County service areas — 4-point inspections available countywide.
Palm Beach County 4-Point Inspection — Questions
Does Citizens Insurance require a 4-point inspection in Palm Beach County?
What happens if my roof fails the 4-point inspection?
Can a 4-point inspection be combined with a wind mitigation inspection?
How often does a 4-point inspection need to be renewed?
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.