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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.