Photo of a home inspector making a 4-point inspection

4-Point Inspections: Should I Get One?

Florida homeowners insurance policies may demand 4-point inspections, particularly for older homes or properties with certain risk factors.


A 4-point inspection in Florida typically covers four specific areas of the home:

  1. Roofing – Inspectors determine the age, material, and life expectancy of the roofing system.
  2. Electrical system – Copper, knob-and-tube, and aluminum wiring have higher fire hazard risks and are frequently uninsurable in homes.
  3. Plumbing system – The inspector will check the pipes to determine if they may burst, potentially causing water damage.
  4. HVAC system – The inspector will search for obvious leakage indications and ventilation system problems, and ensure that both hot and cold air comes out from the vents.

The inspector will assess the condition of each of these areas and identify any potential issues or hazards

Who Can Perform the Inspection

In Florida, a certified and licensed home inspector or building contractor must conduct the 4-point inspection. The Florida Department of Business and Professional Regulation (DBPR) is responsible for licensing the inspector, and the inspector must adhere to particular inspection standards and guidelines.

What the report must include

The 4-point inspection report must detail each of the four home areas and any identified problems or hazards. Additionally, it must include pictures of the examined areas.

When is it Required?

In Florida, insurance companies frequently demand a 4-point inspection before issuing coverage for a property that is older or has certain risk concerns. If the homeowner is changing their insurance policy, such as increasing coverage or switching insurance companies, the examination could also be necessary.

How often is it required?

The frequency of 4-point inspections in Florida can vary depending on the insurance company and the age and condition of the home. Some insurance companies may require a 4-point inspection every year, while others may require it less frequently.

In Florida, a 4-point inspection is a crucial step in securing homeowners insurance. It helps identify issues or risks that require attention before policy approval. To ensure accurate and insurer-compliant inspections, working with a registered and certified inspector is crucial.

How Long Does a 4-Point Inspection Take in Florida?

The size and age of the home, the condition of the systems under inspection, and the inspector’s experience are a few of the factors that could influence how long a 4-point inspection takes to complete. Typically, a 4-point inspection can be completed in 30 minutes to 2 hours.

The inspector typically conducts a thorough examination of each of the four areas of the home, searching for damage, wear and tear, or outdated components. The inspector may also inquire about the home’s history and the last modifications or changes made to its systems.

Following the inspection, the inspector typically furnishes a comprehensive report detailing the condition of each of the four areas of the home, including any identified issues or hazards. The report may also contain recommendations for necessary improvements or repairs to ensure the safety and functionality of the home’s systems.

4-point Home Inspection Checklist

Here is a checklist of items that a 4-point home inspection may include:


After approximately 20 years, it’s advisable to replace your roofing. If not, you might experience issues such as cracked, curling, or missing shingles.

Signs of deterioration

Poorly designed or older roofs allow pools of water to form on the surface, leading to water damage. Inspectors look for signs of damage or wear and tear, such as missing or damaged shingles that can compromise the home’s safety.

Roof structure

The design of your roof significantly impacts your home’s ability to withstand typical weather conditions. Hip roofs, characterized by four points converging to form a ridge, are currently the most popular choice for wind and snow protection.

Electrical system

An inspector will look over your electrical system to make sure everything complies with code regulations. The system’s size must match the house’s size, and all electrical outlets should be properly grounded.

You could still pass the inspection even if an inspector finds a problem with your electrical system, such as a code violation. The nature of the violation and the degree of risk involved will determine whether you pass or fail.

Certain components of an electrical system can’t be insured. Their presence may result in inspection failure, including:

  • Aluminum branch wiring
  • Knob-and-tube wiring
  • Fuses/fuse boxes
  • Double-tapped breaker
  • Cloth and sheath wiring
Plumbing system:

– Age and condition of the plumbing system

– Type and condition of pipes and plumbing fixtures

– Evidence of leaks or water damage

– Proper functioning of shut-off valves and other plumbing components

HVAC system:
Fully Functioning Heating And Cooling Unit

The homeowner has a properly sized, fully functioning heating and cooling unit installed. Note that fireplaces, oil furnaces, and window AC units aren’t primary home heating and cooling systems due to safety and energy inefficiency.

Condition and Age Of The HVAC System

The inspection evaluates the condition and age of an HVAC unit, even though it is not a pass/fail criterion. The inspector can determine how long the system will last and how well-maintained it is. As long as there are no obvious system issues, everything should be alright.

Note: If an HVAC unit is more than 20 years old, it’s typically recommended to replace the system with an updated model.

How much does 4 Point Inspection cost in Major Florida Cities?

The cost of a 4-point inspection will vary from state to state and by insurer. It’s safe to estimate that you’ll pay anywhere from $50 to $150 to have a 4-point inspection completed on your home.

Bear in mind that these are estimated costs, and your home’s condition and choice of inspector can impact the actual inspection cost. Obtain multiple quotes from licensed inspectors for a fair price.

Whether you’re trying to insure and buy an older home or renew your existing insurance policy, a 4-point inspection can demonstrate to your insurer that your property is a reasonable risk for them to insure.

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