4-Point Inspection in Palm Beach Gardens, FL
Florida homeowners insurance carriers often require a 4-point inspection before issuing or renewing coverage on homes 25 years and older. Palm Beach Gardens has a wide range of housing ages — older PGA National phases and eastern neighborhoods from the 1960s through 1980s, upscale golf community homes from the 1990s and 2000s, and newer western developments. Many Palm Beach Gardens homes already exceed the 25-year threshold. We deliver clear, insurer-ready reports so coverage can move forward.
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 Palm Beach Gardens, insurers pay close attention to roof age and material type. Older PGA National phases and eastern neighborhoods from the 1970s and 1980s commonly have roofs approaching or past the age thresholds insurers flag — flat or low-slope roofs in older sections are frequently scrutinized. The inspection documents what the carrier needs to evaluate coverage.
Electrical
Panel type, breaker condition, and visible wiring. Aluminum wiring and certain older panel brands may require remediation before coverage is issued. Older Palm Beach 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. Palm Beach Gardens' subtropical climate means HVAC systems run nearly year-round, accelerating wear. Older units in PGA National and eastern neighborhood homes may be flagged by insurers as a condition of coverage.
Why Palm Beach Gardens homeowners need a 4-point inspection
Palm Beach Gardens has housing stock across a wide age range. Older PGA National phases and neighborhoods along Northlake Boulevard and Riverside Drive date from the 1960s through the 1980s — many already exceed the 25-year threshold Florida insurers apply for 4-point documentation. Upscale gated communities like BallenIsles and Mirasol, developed in the 1990s and 2000s, are approaching the threshold. Newer western corridor developments in the 33412 ZIP remain below it for now. Without the report, carriers may delay, condition, or decline 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.
- Palm Beach Gardens is within Palm Beach County's high-wind zone. Eastern neighborhoods and older PGA National golf community phases from the 1960s through 1980s commonly exceed the 25-year threshold for 4-point requirements at policy renewal or during a sale. Newer golf community phases and western developments built in the 2000s are approaching the threshold. Intracoastal-adjacent properties in the 33408 ZIP near North Palm Beach may have additional insurer scrutiny due to coastal wind exposure.
- 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 Palm Beach Gardens schedule a wind mitigation inspection in Palm Beach Gardens 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 Palm Beach Gardens and Palm Beach County
We serve Palm Beach Gardens and the surrounding Palm Beach County communities. Need an inspection somewhere not listed? Call us — we may be able to accommodate.
Palm Beach Gardens ZIP codes served include 33410, 33418, 33403, 33408, 33412. For service area details, see our Palm Beach Gardens service area page.
Common questions about 4-point inspection in Palm Beach Gardens
What is a 4-point inspection?
When is a 4-point inspection required in Palm Beach Gardens?
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 Palm Beach Gardens?
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.