4-Point Insurance Inspection


What is a 4-Point Insurance Inspection?

A 4-Point Inspection is typically performed for a homeowner when requested by their insurance company in order to obtain a new policy or renew an existing policy. Some insurance companies may also require a 4-Point Inspection on homes that were previously forclosures and have been vacant for a period of time. It is a limited visual and functional survey of the:

1. Roof

2. Electrical System

3. Heating, Ventilation, and Air Conditioning System (HVAC)

4. Plumbing System

The focus of the inspection is to determine the type of materials and/or systems present, the approximate age and life expectancy of each system, and the overall condition of each system.

Typical photo requirements may include, but are not limited to:

  • Front, Rear, and Sides of Home
  • Minimum of 2 photos of Roof
  • Water Heater, including Data Plate
  • Plumbing
  • HVAC unit(s)
  • Electrical Panel (with door open)
  • Any defects or deficiencies observed


Why Do I Need a 4-Point Inspection?

Insurance companies typically request a 4-Point Insurance Inspection for older homes (older than 25 years), although they may occasionally request this type of inspection for newer homes. These areas of the home are the most likely to become a liability to them due to potential for fire or water damage.


Who Can Perform a 4-Point Inspection?

The following Florida-Licensed Professionals may perform a 4-Point Insurance Inspection:

  • A Home Inspector
  • A General, Residential, or Building Contractor
  • A Building Code Inspector
  • A Registered Architect
  • A Professional Engineer
  • A Building Code Official who is authorized by the State of Florida to verify building code compliance


Call Hawkins Inspections today and let us schedule your 4-Point Insurance Inspection!!