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4-Point Inspection
A 4-Point inspection documents the age, type and condition of the roof, electrical, plumbing and HVAC systems on your insurer’s form, with the photos the form requires.
4-Point InspectionRoof, electrical, plumbing and HVAC, on the form your insurer asks for.This page
Wind MitigationDocuments wind-resistant features on Florida’s OIR-B1-1802 form.
Roof CertificationRoof condition and estimated remaining life, for your insurer.Book one, two or all three. When you need more than one, they’re usually done on the same visit. How insurance inspections work
What the form documents
Insurers use it to decide whether, and on what terms, they’ll cover an older home. Requirements vary by carrier. Citizens, for example, currently asks for one on homes more than 20 years old; other insurers set their own rules, so check with your agent.
- RoofCovering type, age, last update and visible condition
- ElectricalPanel type, brand and amperage; wiring type; visible hazards
- PlumbingPiping material, water heater age and location, visible leaks
- HVACSystem type and age, operation, visible condition
- PhotosThe views the form requires, including each roof slope, the open panel and the water heater
- Supporting recordsPermit and property records for system updates, where available
Helpful to have ready
- Your insurer’s form or request, if they sent one
- Dates of roof, electrical, plumbing or HVAC updates, if you know them
- Access to the attic, electrical panel and water heater
What you receive
- The completed, signed 4-Point form
- Required photos
- Supporting permit or property records, where applicable
- Delivered within 24 hours
Questions
What if something needs repair?
The form records what we find. Your insurer may ask for repairs before writing or renewing the policy. We can come back after the work is done.
Is it a full home inspection?
No. It covers four systems for insurance purposes only.
What does it cost?
It depends on the property and which services you combine. We confirm the price before anything is booked.
Need a 4-Point for your insurer?
Add wind mitigation or a roof certification to the same request if you need them.