Four-Point Insurance Inspections

for Florida Homes

Required Documentation for Homes Over 30 Years or Changing Insurance

Insurance companies require four-point inspections for homes over 30 years old or when changing carriers. Our detailed four-point inspections focus on the four major systems that concern insurers most: HVAC, electrical, plumbing, and roofing.

When You Need a Four-Point Inspection:

🔵 Purchasing a home built before 1992

🔵 Required by your current insurer

🔵 Switching insurance companies

🔵 Refinancing with certain lenders

What We Inspect: The Four Critical Systems

1. 🔥

HVAC System

Heating, Ventilation & Air Conditioning
  • Age and condition of units
  • Proper installation and maintenance
  • Ductwork condition and connections
  • Thermostat operation and settings
  • Energy efficiency evaluation
2. ⚡

Electrical System

Wiring and Electrical Panels
  • Main panel type and condition
  • Circuit breaker functionality
  • Wiring type (copper, aluminum, knob & tube)
  • GFCI protection in required areas
  • Code compliance and safety issues
3. 💧

Plumbing System

Water Supply and Drainage
  • Supply line materials (copper, PVC, galvanized)
  • Drain line condition and materials
  • Fixture age and functionality
  • Water heater condition and installation
  • Leak detection throughout the property
4. 🏠

Roofing System

Roof Condition and Age
  • Roof age and remaining useful life
  • Shingle or tile condition assessment
  • Gutters and downspout systems
  • Flashing around penetrations
  • Signs of leaks or structural damage

Why Insurance Companies Require Four-Point Inspections

🔥 HVAC Issues

can cause fires or water damage from leaks

🚿 Plumbing Failures

result in costly water damage claims

⚡ Electrical Problems

are a leading cause of house fires

🏠 Roof Damage

leads to weather-related claims

Our Four-Point Inspection Process

Quick Scheduling

Same-day and next-day appointments available

Focused Inspection

45-60 minute inspection of four critical systems

Photo Documentation

Detailed photography of all inspected components

Professional Report

Official four-point inspection report

Fast Delivery

Reports delivered same day

Need a Four-Point Inspection for Insurance?

Don't let inspection delays hold up your insurance coverage.

Same-day service available throughout South Florida