4-Point Insurance Inspection

What We Inspect

The 4-Point Inspection evaluates the four major systems insurance companies care about most when determining home safety and eligibility.

• Estimated age of the roof
• Visible wear, damage, granule loss, soft spots
• Signs of active or past leaks
• Roof covering type (shingle, tile, metal, etc.)
• Flashing, penetrations, skylights, and ventilation
• Photos required for underwriting

• Main service amperage and panel type
• Brand verification including recalled/problematic brands
• Double taps, overheating, scorch marks, corrosion
• Breaker condition and compatibility
• Wiring type (copper, aluminum, cloth, etc.)
• GFCI and AFCI protection where applicable
• Inspection of subpanels when present

• Supply piping type (copper, CPVC, PEX, polybutylene)
• Drain type (PVC, cast iron, etc.)
• Water heater age, condition, and safety compliance
• Evidence of active leaks or past water damage
• Shutoff valves, connections, and corrosion checks
• Visible pressure issues or deficiencies

• System age and serial verification
• Cooling performance and temperature split
• Condition of air handler and condenser
• Electrical safety of disconnects and breakers
• Ductwork condition, insulation, and leaks
• Signs of microbial growth or moisture issues

Why This Inspection Matters

Insurance carriers use 4-Point Inspections to assess risk and determine if a home qualifies for coverage. Homes with outdated, damaged, or unsafe systems can face higher premiums or denied coverage. A proper 4-Point report prevents delays and saves buyers money during the insurance process.

What You Receive

• Florida-approved 4-Point Inspection form
• Clear photos of each major system
• Documentation formatted for underwriting
• Same-day or next-morning report delivery
• Guidance on issues that could impact insurance