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4 Point Inspections – What Are They?

by flrootshi Leave a Comment

In Florida, 4 point inspections are used to let insurance companies know the general condition of four specific systems of a home. These systems are the roof, HVAC, plumbing and electrical. 

When do you need one?

Typically, these were only needed on homes over a certain age but insurance companies seem to be changing their criteria on which homes need this almost daily. A 4 point inspection could be requested when you are purchasing a property and requesting an insurance quote or if you already own a home and the insurer is renewing your policy. Sometimes, insurers will even stop issuing policies in certain areas so they will drop your coverage and you will need this inspection in order to find a new policy.

What will the inspector look at?

Your inspector will be reporting on the overall general condition of the roof, HVAC, plumbing and electrical systems but there are also specific things they will be looking for in each area. 

Roof

What is the age and how much life does it have left? If it’s reaching the end of its life expectancy, it may need to be replaced or your insurance company may exclude it from your policy. Are there any signs of current or active leaks?

HVAC

Is the A/C system functioning properly? What kind of heating system is present?

Plumbing

Are there any signs of leaks? What type of piping is present? If polybutylene pipes are used, this may affect your insurance as it has been known to leak. Does your water heater have the required safety features correctly installed?

Electrical

What brand is your electrical panel? Some manufacturers have known problems and safety issues and your insurance company may require these to be replaced. What kind of wiring do you have? If it’s aluminum, repairs will probably be required.

So what does all this mean?

4 point inspections are basically telling the insurer what kind of liability they are taking on when insuring your home. Keep in mind that 4 point inspections are NOT a replacement for a full residential home inspection and should only be used as a report to the insurance company. If you are purchasing a home, never skip the full inspection and add on the 4 point if your insurance company requests it.

If you have any questions or need to schedule a 4 point inspection, contact us at 407-502-7668 or [email protected]

Filed Under: Home Inspections, Insurance Inspections Tagged With: 4 Point Inspection, Florida home Inspector, Home Inspection, Insurance Inspection

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Nick Boyd
2022-05-17
Kris was great to work with, very knowledgeable and trust worthy. Would recommend 10/10
Marla Moody
2022-04-14
Kris was professional, and personable but also very knowledgeable in his area of expertise. I will use him again.
LBO Flamez (L-BO)
2022-03-15
Nikki Rubin
2022-03-14
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2022-01-17
Neal Nicarry
2021-12-30
Kris walked me through every step of his inspection and answered any questions. He took his time and was very knowledgeable and thorough. He even pointed out very minor details and ways to improve them. I’m very happy with Kristoffer Werk and highly recommend him.
CHRIS DAVIS
2021-11-04
Arrived on time, professional and knowledgeable when asked questions. Will use services again on next purchase.
CHRYSTALE FRANCOIS
2021-10-24
Mr. Kris is an amazing professional! He walk me through the process with insightful tips and educated me on the do's and don'ts of condo living. He is honest and trustworthy. On any future prospective purchases I will be using his services. The report that he provided is detailed 👌🏾 and irrefutable in the negotiations of the buying process.
Hannah Beverly
2021-10-08
Kristoffer was very fast, efficient, and friendly. He got our home inspection report back to us the same day he performed the inspection. He even came back a second time to include some things that our insurance company required that were not mentioned in the original report. Would highly recommend.
Bethany George
2021-09-16
Kris is a pleasure to work with. He's punctual and pays extra attention to all of the details. His inspect reports are easy to understand and easy to read. We would give him the highest recommendation. If you need an inspection, this is your guy!
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FLORIDA ROOTS HOME INSPECTIONS, LLC
Serving Central Florida - Orange, Seminole, Volusia and Lake County
Longwood, FL 32750
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