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What Is a 4-Point Inspection?

A 4-point inspection is a limited inspection focused on the four major systems of a home:

• Roofing

• Electrical

• Plumbing

• HVAC (Heating & Cooling)

Insurance companies commonly require a 4-point inspection before issuing or renewing a homeowners insurance policy, particularly for older homes. The purpose of the inspection is to help the insurance carrier evaluate the current condition of these major systems and identify potential risks or liabilities.

Older homes are more likely to require a 4-point inspection due to aging materials, outdated components, or previous repairs that may not meet current standards.

What Does a 4-Point Inspection Include?

During the inspection, the following systems are visually evaluated:

Roofing System

• Roof covering condition

• Estimated remaining life

• Signs of leaks or damage

Electrical System

• Main electrical panel

• Wiring type

• Visible electrical deficiencies or safety concerns

Plumbing System

• Visible plumbing materials

• Water heater

• Signs of active leaks or water damage

HVAC System

• Heating and cooling equipment

• Approximate age and general operating condition

The inspection includes photos of the major systems and completion of the required insurance inspection forms.

4-Point Inspection vs. Full Home Inspection

A 4-point inspection is not a substitute for a full home inspection. It is designed specifically for insurance underwriting purposes and focuses only on the four primary systems required by the insurance company.

A full home inspection is much more comprehensive and may include evaluation of:

• Structural components

• Appliances

• Doors and windows

• Insulation and attic areas

• Exterior components

• Interior rooms and fixtures

• Drainage and site conditions

• Safety concerns throughout the home

If you are purchasing a home, a full home inspection is strongly recommended in addition to any insurance inspections.

Do All Homes Require a 4-Point Inspection?

Not all homes require a 4-point inspection. Requirements vary depending on the insurance company, the age of the home, and the property’s condition. In Florida, many insurance carriers require 4-point inspections on homes that are older, recently purchased, or being insured for the first time with a new carrier.

If you are unsure whether your home requires a 4-point inspection, contact your insurance company or agent for specific underwriting requirements.

Call today to schedule your 4-point inspection.