4-Point Inspection in Southwest Florida
A 4-point inspection is a focused Florida insurance inspection of the home’s four major systems: roof, electrical, plumbing and HVAC. We document the age, type and visible condition of each system with photos and the information your insurance carrier may request for underwriting.
A focused insurance inspection of the roof, electrical, plumbing and HVAC systems.
A 4-point inspection is different from a full home inspection. It is designed specifically for insurance underwriting and focuses on four major systems: the roof, electrical, plumbing and heating/cooling system. We document the age, type and visible condition of each system, along with applicable deficiencies or hazards that may affect an insurer’s underwriting decision.
The inspection does not determine whether a carrier will insure the property or what the premium will be. Your insurance company makes those decisions based on its own underwriting guidelines.
The report gives the insurer a current look at four systems that can affect underwriting risk.
Insurance carriers may request a 4-point inspection to verify the age, type and current visible condition of the roof, electrical, plumbing and HVAC systems. Requirements vary by carrier and property. For example, Citizens currently requires a 4-point inspection for certain new applications on homes more than 20 years old.
Older properties are commonly asked to provide updated system information so the carrier can evaluate current condition and known hazards.
A 4-point report may be requested when obtaining new coverage, changing carriers or when an underwriter asks for updated documentation.
We provide 4-point inspections throughout Cape Coral, Fort Myers, Naples, Bonita Springs, Estero, Lehigh Acres, Punta Gorda, Port Charlotte and surrounding SWFL communities.
Common questions about Florida 4-point inspections.
What are the four points in a 4-point inspection?
The four systems are the roof, electrical, plumbing and HVAC. The inspection documents the age, type and visible condition of each system for insurance underwriting.
Is a 4-point inspection the same as a full home inspection?
No. A 4-point inspection is limited to four major systems for insurance purposes. A full home inspection is a broader evaluation of the home’s accessible systems and components.
Do all Florida homes need a 4-point inspection?
No. Requirements vary by insurance carrier, property age and underwriting situation. Some carriers request them more often for older homes or when issuing a new policy.
Can I schedule a wind mitigation inspection at the same time?
Yes. Many homeowners schedule a wind mitigation inspection and a 4-point inspection during the same visit when both are requested by their insurance carrier.
Where do you provide 4-point inspections?
Eagle Eye provides 4-point inspections throughout Southwest Florida, including Lee, Collier and Charlotte counties. Visit our service areas page for the communities we serve.
Thorough inspections without the rushed experience.
We document the four major systems insurers commonly require for underwriting.
Photos and system information are organized for easy submission to your insurance provider.
4-point inspections are commonly requested by Florida insurers, especially for older homes and new policy applications.
Ready to schedule your 4-point inspection?
Call Eagle Eye Home Inspection or book online anywhere across our Southwest Florida service area.