FL LICENSED & INSURED
1–2 HR ON-SITE
REPORT WITHIN 24 HOURS
INSURER-ACCEPTED FORMAT
WHAT IS IT?
THE INSPECTION YOUR INSURER IS ASKING FOR.
A 4-Point Inspection evaluates the four systems Florida insurance companies care about most; roof, electrical, plumbing, and HVAC. Most insurers require it on homes 25–30 years or older before they'll issue or renew a homeowners policy.
Unlike a full home inspection, a 4-Point is a focused insurance document, it tells your insurer the condition and age of these four systems so they can make a coverage decision. It doesn't replace a full inspection, but it's a non-negotiable step for insuring older Florida homes.
Do you need a 4-Point Inspection?
Your home is 25+ years old
most Florida insurers require this before issuing or renewing a policy.
Your insurer sent a deadline
non-renewal notices often include a 30–60 day window to produce this report.
You're buying an older home
lenders and insurers may require this before closing.
You're shopping for a new policy
most carriers require it before quoting or binding coverage.
WHAT WE INSPECT
THE FOUR SYSTEMS.
DOCUMENTED PRECISELY.
Every item is documented with photos, age, condition, and material — exactly what insurers need to make a coverage decision.
Point 01
ROOF
We document the roofing material, estimated age, and current condition. Insurers use this to assess remaining service life and risk of water intrusion.
Point 02
ELECTRICAL
We inspect the main panel, identify the wiring type, note the presence of any known hazards (like aluminum wiring or Federal Pacific panels), and document overall condition.
Point 03
PLUMBING
We identify pipe materials (copper, PVC, galvanized, polybutylene), document the water heater age and condition, and note any visible concerns with supply or drain lines.
Point 04
HVAC
We document the heating and cooling system type, age, and operational condition. Older or non-functional HVAC systems are a common reason insurers request repairs before binding coverage.
WHY IT MATTERS
WHAT'S AT STAKE IF
YOU DON'T HAVE ONE.
01
Policy non-renewal
Insurers can and do cancel or non-renew coverage on older homes that fail to produce a 4-Point Inspection by the deadline.
02
Delayed closing
Buyers who need an insurance binder to close can't get one without this report — a missing 4-Point can push your closing date back days or weeks.
03
Unable to shop coverage
Most carriers won't quote or bind a new policy on an older home without an up-to-date 4-Point report on file.
04
Higher premiums, fewer options
Without documentation of your home's systems, insurers assume the worst — meaning higher rates or outright denial of coverage.
24HR
AVERAGE REPORT DELIVERY
4
SYSTEMS FULLY DOCUMENTED
1–2
HOURS ON-SITE
FL
INSURER-ACCEPTED STATEWIDE
HOW IT WORKS
FAST, SIMPLE,
AND DONE RIGHT.
Step 01
Schedule
Call, text, or fill out the form. We confirm your appointment — often available next day.
Step 02
We inspect
Our inspector evaluates all four systems on-site. Plan for 1–2 hours depending on home access.
Step 03
Report delivered
You receive a complete, photo-documented digital report within 24 hours — in the format your insurer accepts.
Step 04
Submit to insurer
Send the report directly to your insurance agent or carrier. We're available to answer any follow-up questions.
