4-Point Insurance Inspection in Cape Coral & Fort Myers
Many Florida insurance carriers require a 4-point inspection for older homes. We inspect the four major systems—roof, electrical, plumbing, and HVAC—and provide clear, underwriting-ready documentation with required photos to help you secure or maintain coverage without delays.
Based in Cape Coral • Serving Fort Myers and SWFL across Lee, Collier, and Charlotte counties.
What Is a 4-Point Inspection?
A 4-point inspection is an insurance inspection focused on the four systems carriers consider highest risk: Roofing, Electrical, Plumbing, and HVAC. The report helps underwriters evaluate eligibility, required updates, and policy terms based on the condition and age of these systems.
The Four Major Systems We Inspect
Roof System
- Estimated roof age and covering type
- Visible wear, repairs, and leak indicators
- Condition notes and underwriting-required photos
Electrical System
- Main panel type, amperage, and visible condition
- Brand verification and safety-related concerns
- Common issues (double taps, exposed wiring, etc.)
Plumbing System
- Supply and drain piping materials (where visible)
- Water heater condition and installation notes
- Leak indicators, corrosion, and functional concerns
HVAC System
- System age verification and visible condition
- Cooling performance and safety observations
- Moisture-related concerns around air handler/closet
Why This Inspection Matters for Insurance
Carriers use 4-point inspections to assess risk and determine underwriting requirements. Homes with outdated, unsafe, or failing systems may face higher premiums, required repairs, or denied coverage. A properly completed report with clear photos helps reduce back-and-forth with underwriting and keeps your policy or closing moving.
- Helps prevent underwriting delays
- Provides documentation agents can submit quickly
- Clarifies what may need repair or replacement (if anything)
Quick Facts
Service Area: Cape Coral, Fort Myers + Lee, Collier & Charlotte Counties
Report Delivery: Same-day or next morning (typical)
Insurance Use: Required for many Florida homes and older properties
Inspector: Licensed · Insured · SWFL Experienced