4 Point Insurance Inspections in South Florida

Required insurance inspections for homeowners seeking coverage on older properties. Fast, accurate 4 Point Inspections evaluating roofing, electrical, plumbing, and HVAC systems to meet Florida insurance requirements.

Schedule Inspection Call (561) 570-6311

A 4 Point Inspection is a limited-scope insurance inspection required by most Florida insurance companies for homes that are 30 years old or older. At Certified Inspectors, we provide fast, accurate 4 Point Inspections that meet insurance underwriting requirements throughout South Florida. Our certified inspectors evaluate the four major systems that insurance companies consider highest risk: roofing, electrical, plumbing, and HVAC. We complete inspections on the same day or next day, delivering reports within 24 hours so you can secure your homeowner’s insurance coverage without delays.

Same-Day Reports

Licensed & Insured

5-Star Rated Service

BBB A+ Accredited

We Don’t Just Inspect Properties. We Earn Trust.

Read what homeowners, buyers, sellers, real estate professionals, and commercial clients have to say
about their experience with Certified Inspectors.

       
 4.9
 4.9
 Top Rated Service
   Verified by Trustindex   Top Rated Service
   4.9 Excellent rating Last 12 months 
  Leading Service Google Maps rating and review data 
  Responds to customer reviews 100% response rate within 48 hours 
  Verified by Trustindex Based on real customer reviews Learn more 
 
 
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Sharlene Chandler 
 58 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Angelo did a mitigation check for our new hurricane windows. He was great. He answered all our questions and got the report to our insurance agent in a timely manner and  his price was very reasonable 👍
  
 
     Posted on Google  
   
   constance richardson 
 69 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend this company of their services,  I reached out to them in need of a foundation certificate asap.. They came out the same day!!! The process  was quick and easy,  no stress ! Very accommodating  and a pleasure to do business with. Cant thank them enough! Considering I had never done this before,  they made it so easy and efficient! Thanks Again for ur Services!
  
 
     Posted on Google  
   
   John McClaskie 
 90 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Angelo has done several inspections for my clients. Everyone was pleased all the inspections were on time. Everything was explained in an effective efficient way so the client had a good understanding of what was going on and what they needed to be concerned about. I Would highly recommend certified inspectors and Angelo to anybody that needs a home inspection respectfully John McClaskie.
  
 
     Posted on Google  
   
   Emi Hutton 
 95 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Highly Recommended!

Angello with Certified Inspectors was incredibly detailed and accommodating. He was very thorough throughout the entire inspection process. The report he provided was easy to understand and clearly articulated the issues that needed to be brought up. I highly recommend their services!
  
 
     Posted on Google  
   
   CJ Post 
 95 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Services provided were for insurance-required inspections.  VERY prompt and results provided very timely.  After a month, the insurance company decided that the submitted report was on a state form that had been superseded by 1 WEEK and simply disregarded it, jumping their rates with no explanation.  After interrogating the insurance company, they admitted to reason for rate change (no apology for no communication).

Re-contacted inspector and the new form was re-submitted to insurance.  Response by inspector was  understood and immediate.

Highly recommend this inspector and company for your S Florida needs!
  
 
     Posted on Google  
   
   Raj Thapar 
 95 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Angelo was fantastic. Thanks to his detailed inspection we identified a major issue with the house we had an offer that saved us thousands in repairs. Angelo was quick, prompt and very thorough. I would highly recommend him and his services.
  
 
     Posted on Google  
   
   K. B. (K) 
 143 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I HIGHLY RECOMMEND Angelo Menendez, owner and inspector with Certified Inspectors, LLC.  Mr. Menendez provided EXCEPTIONAL SERVICE. Mr. Menendez  was the ONLY mold inspection company to answer the phone! I called seven (7) and sent at least five (5) text messages. Again, Mr. Menendez  was the ONLY company to respond! He answered all questions and made an appointment immediately as the matter was urgent. Mr. Menendez  also arrived early for the appointment, was  professional, serious and knowledgeable.  The mold report received was scientific, in color, quantative disaggregated by a science lab with a PhD scientist. The report was detailed, organized, biologically relevant and included graphical analysis and recommendations. Mr. Menendez  also followed up the appointment with a courteous telephone call. Extraordinary service! Also, Mr. Menendez  inspects MOBILE HOMES. This was a 1974 2/2 mobile home. Many inspectors from my understanding do not consider mobile homes worth the time. I mean the Margate Building Code Department does not even bother to regulate so thank you Mr. Menendez  for taking the time to come inspect and provide a report. I appreciate your time, courteousness and professionalism.
  
 
     Posted on Google  
   
   Mitch Adler 
 145 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Angelo was prompt, efficient and very knowledgeable. I highly recommend Certified Inspectors, LLC
  
 
     Posted on Google  
   
   Dennis Charlebois 
 158 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have used Certified Inspectors 3 separate times to inspect roofs in our community of 109 homes. He is professional, shows up on time and does excellent work. Prices are reasonable too,
  
 
     Posted on Google  
   
   William Neira 
 158 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This is the third time I have used Certified Inspectors. Angelo has always been professional. We have a 700 foot seawall that needed to be inspected.  His feed back and report were very informative and easy to understand. Angelo also did our wind mitigation roof report for our 28 townhome community.  I highly recommend Certified Inspectors.

What’s Included in a 4 Point Inspection

A 4 Point Inspection evaluates only the four major systems that insurance underwriters consider highest risk. This is not a comprehensive home inspection, but rather a focused assessment of specific components required for insurance underwriting.

Roofing System Inspection

Roof covering type and material identification
Approximate age of roof installation
Overall condition assessment
Evidence of leaks or water damage
Remaining useful life estimation
Previous repairs or replacement documentation
Photographic documentation for insurance submittal

Electrical System Inspection

Main electrical panel type and capacity
Wiring type identification (copper, aluminum, knob & tube)
Panel condition and safety concerns
Evidence of previous upgrades or repairs
Federal Pacific or Zinsco panel identification (high-risk panels)
GFCI protection verification
Service entrance and meter condition

Plumbing System Inspection

Supply piping material identification (copper, PEX, galvanized, polybutylene)
Drain and waste piping material
Water heater type, age, and condition
Evidence of leaks or water damage
Polybutylene piping identification (high-risk material)
Previous plumbing upgrades or repipes
Fixture and valve condition

HVAC System Inspection

Air conditioning system type and capacity
Approximate age of HVAC equipment
Heating system type (if applicable)
Overall system condition
Evidence of proper operation
Recent maintenance or replacement documentation

When is a 4 Point Inspection Required?

Florida insurance companies require 4 Point Inspections in specific situations to assess risk and determine coverage eligibility and premium rates.

Makes Our Manufactured Home Inspections Different — 4 Point Insurance Inspection 1

Homes 30 Years or Older

Most Florida insurance companies require a 4 Point Inspection for homes built more than 30 years ago. This is the most common trigger for a 4 Point requirement. The inspection helps insurers assess the condition of aging systems and determine if coverage can be offered.

New Insurance Policy Applications

When purchasing a new insurance policy for an older home, insurers typically require a current 4 Point Inspection (completed within the last 12 months) before binding coverage.

Policy Renewal for Older Homes

Insurance companies may request a 4 Point Inspection at policy renewal, especially if major systems are nearing the end of their useful life or if there have been claims related to the four systems.

Property Purchase Closings

When buying an older home in South Florida, your insurance company will likely require a 4 Point Inspection before closing. We provide fast turnaround to prevent closing delays.

Private Land Installations — 4 Point Insurance Inspection 5

After Major System Upgrades

If you’ve recently upgraded your roof, electrical panel, plumbing, or HVAC system, a new 4 Point Inspection can help you secure better insurance rates by documenting the improvements.

Citizens Insurance Requirements

Many Florida homeowners seeking coverage through Citizens Insurance must provide a valid 4 Point Inspection to verify the condition of the home’s major systems.

Why Homeowners Choose Certified Inspectors for 4 Point Inspections

Getting homeowner’s insurance in Florida can be challenging, especially for older homes. Our 4 Point Inspections are thorough, accurate, and delivered fast so you can secure coverage without delays.

Fast Turnaround for Insurance Deadlines

We understand that insurance requirements often have tight deadlines. We offer same-day or next-day inspections with reports delivered within 24 hours, ensuring you meet insurance company timelines.

Accepted by All Major Florida Insurers

Our 4 Point Inspection reports meet the requirements of all major Florida insurance companies including Citizens Property Insurance, Universal Property & Casualty, State Farm, Allstate, USAA, and regional carriers.

Licensed & Insured Inspectors

Our inspectors hold Florida state licenses and carry professional liability insurance. Insurance companies trust our credentials and accept our reports without question.

Thorough Documentation & Photos

We provide comprehensive photographic documentation of all four systems, including detailed photos of electrical panels, roof conditions, water heaters, and HVAC equipment.

Honest, Accurate Reporting

After the builder completes repairs, we can conduct a follow-up inspection to verify that all warranty work was completed properly and to code. This ensures you get the quality repairs you deserve.

Clear Guidance for Repairs & Upgrades

If issues are identified, we explain what repairs or updates may be needed to improve insurability and help you qualify for coverage.

Our 4 Point Inspection Process

We’ve streamlined the 4 Point Inspection process to provide fast service without compromising thoroughness.

Schedule Your 4 Point Inspection

Book online in minutes or call us directly. We offer same-day and next-day appointments to accommodate urgent insurance deadlines. Let us know your insurance deadline when scheduling.

Inspector Evaluates the Four Systems

Our certified inspector thoroughly examines your roofing, electrical, plumbing, and HVAC systems, documenting conditions with photos and detailed notes. The inspection typically takes 1-2 hours depending on property size and accessibility.

Receive Your Insurance Report

Get your completed 4 Point Inspection report within 24 hours. The report is formatted specifically for insurance company submission and includes all required photos and documentation. We can send the report directly to your insurance agent or provide it to you for submittal.

What Makes Our 4 Point Inspections Different

4 Point Inspections may seem straightforward, but experience and attention to detail matter when dealing with Florida insurance requirements.

Reports accepted by all major Florida insurance companies

Same-day or next-day inspection appointments

24-hour report delivery

Comprehensive photographic documentation

Licensed and insured Florida inspectors

Clear identification of high-risk components

Professional communication with insurance agents

Frequently Asked Questions About 4 Point Inspections

What is a 4 Point Inspection?

A 4 Point Inspection is a limited-scope insurance inspection that evaluates the condition of four major home systems: roofing, electrical, plumbing, and HVAC. It is required by most Florida insurance companies for homes that are 30 years old or older.

Is this the same as a final walkthrough with the builder?

No. The builder’s final walkthrough focuses on cosmetic punch list items and is conducted before you move in. An 11 Month Warranty Inspection is a comprehensive independent inspection conducted after you’ve lived in the home for almost a year. Many defects only become apparent after months of living in the property.

How is a 4 Point different from a full home inspection?

A 4 Point Inspection only evaluates the four systems that insurance companies consider highest risk. A full home inspection is a comprehensive evaluation of all visible and accessible components. 4 Point Inspections are faster and less expensive because they have a narrower scope.

How long does a 4 Point Inspection take?

The on-site inspection typically takes 1-2 hours depending on the size of the property and accessibility of systems. The report is delivered within 24 hours of the inspection.

Will you send the report directly to my insurance company?

Yes, we can send the completed report directly to your insurance agent or company upon request. We can also provide the report to you for personal submittal. Just let us know your preference when scheduling.

What if you find problems during the inspection?

We report all conditions accurately. If we identify high-risk components like polybutylene plumbing, aluminum wiring, or Federal Pacific panels, we document them in the report. You may need to address these issues before obtaining insurance coverage, or your insurance company may exclude certain systems from coverage.

How long is a 4 Point Inspection valid?

Most insurance companies accept 4 Point Inspections that are less than 12 months old. Some insurers may require a more recent inspection. Check with your insurance agent for specific requirements.

Serving South Florida Homeowners

Certified Inspectors provides 4 Point Insurance Inspection services throughout Palm Beach County, Broward County, Miami-Dade County, and surrounding South Florida communities.

Boca Raton Fort Lauderdale Miami West Palm Beach Delray Beach Coral Springs Hollywood Pompano Beach Boynton Beach Deerfield Beach Lake Worth Wellington

Schedule Your 4 Point Insurance Inspection Today

Don’t let insurance requirements delay your home purchase or policy renewal. Certified Inspectors provides fast, professional 4 Point Inspections with same-day appointments and 24-hour report delivery.

Call (561) 570-6311 Request Quote Online