If you’re buying a home in Florida or renewing your homeowners insurance, you’ve probably heard about the 4-point inspection. Here’s exactly what it is, who needs one, and what to expect.
What Is a 4-Point Inspection?
A 4-point inspection is a limited inspection that evaluates four key systems of a home: roof, electrical, plumbing, and HVAC. Unlike a full home inspection, it’s specifically designed to satisfy insurance company requirements in Florida.
Who Needs a 4-Point Inspection in Florida?
Most Florida homeowners insurance companies require a 4-point inspection for:
- Homes that are 25 years old or older
- Any home being re-insured or switching insurance providers
- Older homes in high-risk areas (coastal, hurricane zones)
Without a passing 4-point inspection, many insurers will refuse to write a policy — or charge significantly higher premiums.
What Do Inspectors Look At in a 4-Point?
Roof
Age, condition, material, remaining useful life. Insurers care deeply about this — a roof over 20 years old can trigger a policy denial or require replacement before coverage is issued.
Electrical
Panel type and condition, wiring materials (aluminum wiring and Federal Pacific/Zinsco panels are red flags for insurers), and overall safety.
Plumbing
Supply and drain pipe materials (polybutylene piping is a major insurer concern), water heater age and condition.
HVAC
Age, condition, and functionality of heating and cooling systems.
4-Point vs. Full Home Inspection — What’s the Difference?
A full home inspection covers everything — structure, attic, insulation, windows, doors, foundation, and more. A 4-point only covers the four systems above for insurance purposes. If you’re buying a home, you want both.
Schedule a 4-Point Inspection in West Central Florida
Eagle Comprehensive Home Inspections performs 4-point inspections across Citrus, Hernando, Marion, Sumter, Pasco, Hillsborough, Pinellas, Lake, Alachua, Sarasota, Manatee, and Polk Counties. 5-star rated, veteran-owned, reports delivered within 24 hours.
