4-Point Inspection
A 4-point inspection documents the condition of four major systems: roof, electrical, plumbing, and heating/cooling. These are commonly reviewed by insurance companies, especially for older homes.
What it is
A 4-point inspection focuses on the four major systems that insurance companies most often want documented: the roof, electrical, plumbing, and heating and cooling. It reports the visible condition, approximate age, and remaining serviceability of each.
These inspections are frequently requested during the insurance application or renewal process, particularly for older homes. Like wind mitigation, it is a focused inspection rather than a full home inspection.
Who usually needs it
Owners and buyers of older homes who need insurance coverage, and anyone whose insurer has requested a 4-point as a condition of a new or renewing policy.
What is typically reviewed
- Roof
- Electrical
- Plumbing
- Heating and cooling (HVAC)
What you receive
- A completed 4-point report on the standard form
- Photographs documenting each of the four systems
- Notes on visible condition, age, and serviceability
Florida & Space Coast context
Florida insurers frequently require a 4-point inspection for older properties before they will write or renew a policy. Requirements vary by insurer, so it’s worth confirming with your agent exactly what they need — we complete the standard report either way.
Frequently asked questions
Why did my insurance company ask for a 4-point inspection?
What’s the difference between a 4-point and a full home inspection?
Your Home, Our Mission
Schedule your 4-point inspection today.
Schedule a thorough, easy-to-understand inspection with a local Space Coast inspector.