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What is a 4 point inspection in Florida?

4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition. This is not a safety inspection. They are done by a licensed inspector or building contractor.

Here is what a 4 point inspection looks at:

  • Roof – Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
  • Electrical System – The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
  • Heating and Cooling – Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
  • Plumbing System – Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks? The age of the hot water heater.

Some insurance companies like Citizens Insurance, require the inspector to use their form. Other insurance companies allow the inspector to use their preferred format. In addition to the written report, the inspector will take photos of each of the major systems to provide to the insurance company.

Palm Harbor’s 4 Point Inspection Services

The most common and important inspection that the US follows is the Four Point Inspection. As the name suggests it is focused on four main aspects of inspection for a residential place as well as the commercial area. To understand it further, a four point inspection is ordered by the insurance companies for the renewal of the house when it reaches a certain age. This age may vary from carrier to carrier from 25 years and above.

The four point inspection services focuses of the following four criterias:

  • The Roofing System
  • The HVAC (heating, ventilation and air conditioning) System
  • The Plumbing System
  • The Electrical System

It is essential for the insurer to have complete information of the four point inspection in order to proceed with the insurance formalities and leave your mind at ease.

How 4 Point Inspections Save Your Money

The four point inspection report is a way of analysing the age and well being of a property. It gives a complete picture to the insurer about the property they are going to insure and the risk involved with it. If there are possibilities of any shortcomings in the house, it will save you money in the investment you make. It can also help you with the negotiations with the seller. This inspection focuses on the parameters of the plumbing system, electrical setup, roofing and HVAC (Heating, Ventilation and Air Conditioning) this will not make much of a difference to the cost of your house but if you are looking at insuring your house, you need to have the four point inspection done.

Why Choose us?

Buying a home is a single large investment that you make and I understand the anxiety it may cause. At Home Inspector Owl I have been raising the bar of inspections with my years of experience, professional training and an unparalleled dedication to provide detailed reports. My goal is to provide my clients clear, professional and concise information to make an informed decision. While purchasing a house may be an overwhelming process, I make sure that the property you invest in is strong and safe.

Our Promise:

  • Providing quality work as I value our clients and maintaining a long term relationship is of utmost importance.
  • Providing a detailed, accurate and complete review of the property.
  • As a certified InterNACHI professional, my work is concise and well versed.
  • Value for money. While cheaper is not always better and the kind of formal inspection that you will receive will be credential and worthwhile.

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The insurance companies in Florida looks for a four point inspection in order to calculate the risk involved in insuring the house. It is the home buyer who has to pay for this inspection and it may cost them from anywhere between 90$ to 150$.

The inspection is necessary when you change companies for insurance of the house. If your dwelling is 25years and above, the companies require the four point inspection report to determine the condition of the house.

A four point inspection is valid for a good period of one year. Many insurance companies may even use the same report for many years in a row. The new requirement will only come up if there are any changes made to the legal requirements of that are or you may have made new changes to your home.

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Palm Harbor, Florida, United States

TEL : 727-776-4565

Working hours: Mon to Fri - 9 am to 9 pm

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