4-Point Inspections in Florida

Florida Native Home Inspections, LLC

A 4-point inspection is a specialized inspection required by many Florida insurance companies, especially for older homes. At Florida Native Home Inspections, LLC, we provide accurate, insurance-compliant 4-point inspections that help homeowners secure coverage, renew policies, or avoid costly delays.

Serving the Treasure Coast and Palm Beaches, our certified inspectors deliver clear documentation, professional photos, and honest evaluations that insurance carriers trust. If your insurer has requested a 4-point inspection, we’re here to make the process simple, fast, and stress-free.

What Is a 4-Point Inspection?

A 4-point inspection is a limited-scope inspection that focuses on the four major systems insurance companies consider the highest risk:

1. Roof
2. Electrical
3. Plumbing
4. HVAC (Heating, Ventilation, and Air Conditioning)

Unlike a full home inspection, a 4-point inspection does not evaluate the entire property. Instead, it provides insurers with a snapshot of the condition, age, and functionality of these four systems to assess risk and determine eligibility for coverage.

Many insurance companies require a 4-point inspection for homes that are 20–30 years old or older, or when there is limited documentation about system updates.

Why Insurance Companies Require 4-Point Inspections

Florida homes face unique risks due to age, humidity, hurricanes, and extreme weather.

Insurance providers use 4-point inspections to determine:

• Whether major systems are in acceptable condition
• If updates or repairs are needed to reduce risk
• Whether the home qualifies for coverage or renewal
• Potential liability related to fire, water damage, or system failure

A properly completed 4-point inspection can be the difference between approval and denial, or between affordable premiums and costly policy exclusions.

What We Inspect During a 4-Point Inspection

At Florida Native Home Inspections, LLC, we follow insurer-approved reporting standards and provide thorough documentation for each system.

Roof Inspection

The roof is one of the most important factors in insurance approval. During the roof portion of the 4-point inspection, we evaluate:

• Roofing material type (shingle, tile, metal, etc.)
• Approximate age of the roof
• Visible signs of damage or deterioration
• Missing, cracked, or curling shingles
• Evidence of leaks or prior repairs

Insurance companies typically want to know whether the roof has at least 3–5 years of remaining life. Our inspectors provide honest assessments backed by clear photos and explanations.

Electrical System Inspection

Electrical issues are a leading cause of house fires, making this section critical. We inspect:

• Main electrical panel type and condition
• Wiring materials (copper, aluminum, cloth wiring, etc.)
• Signs of overheating, corrosion, or improper installations
• Grounding and bonding where visible
• Presence of unsafe or outdated components

We clearly document any deficiencies and explain how they may affect insurability. If upgrades are needed, our report helps homeowners understand next steps.

Plumbing System Inspection

Plumbing failures can result in major water damage claims. During this portion, we examine:

• Supply and drain piping materials
• Visible leaks or corrosion
• Water heater age and condition
• Signs of prior plumbing repairs or failures

Insurance companies are especially cautious about older materials such as polybutylene or galvanized piping. Our inspectors accurately identify materials and conditions to avoid reporting issues later.

HVAC System Inspection

The HVAC system plays a role in both safety and livability. We inspect:

• Heating and cooling equipment type
• Approximate age of the system
• Operational condition at time of inspection
• Visible signs of damage or improper installation

We verify whether the system is functioning as intended and provide documentation insurers require.

What a 4-Point Inspection Is Not

It’s important to understand the limitations of a 4-point inspection:

• It is not a full home inspection
• It does not evaluate structural components, windows, or appliances
• It does not guarantee insurance approval

That said, a well-documented 4-point inspection completed by experienced inspectors greatly improves your chances of a smooth insurance process.

Who Needs a 4-Point Inspection?

You may need a 4-point inspection if you are:

• Purchasing an older home in Florida
• Renewing or changing homeowners insurance
• Switching insurance providers
• Owning a home with limited system documentation
• Being requested by your insurer

If you’re unsure whether you need a 4-point inspection, our team can help guide you based on your insurer’s requirements.

Why Choose Florida Native Home Inspections for 4-Point Inspections?

• Insurance-Compliant Reports
  
• Clear Photos and Documentation
  
• Fast Turnaround Times
  
• InterNACHI-Trained Inspectors
  
• Local Florida Expertise

Our inspectors understand what Florida insurance companies are looking for—and what can cause delays or denials. We take the time to document each system thoroughly, helping you move forward with confidence.

Same-Day Scheduling & Fast Reports

We know insurance timelines can be tight. That’s why we offer:

• Prompt scheduling
• Efficient inspections
• Reports typically delivered within 24 hours

Our easy-to-read digital reports can be shared directly with your insurance agent or carrier.

Bundle & Save on Inspection Services

Many homeowners combine 4-point inspections with other services such as:

• Wind Mitigation Inspections
• Roof Certifications
• Full Home Inspections

Bundling services can save time, reduce costs, and provide a more complete picture of your property.

Frequently Asked Questions