What is a 4-Point Inspection?

Following Hurricane Andrew in 1992, insurance companies in Florida and other states began encouraging home owners to make their homes safer and reduce insurance claims. Many of the insurance companies and the JUA (Joint Underwriting Association) now request 4-Point Inspections, which includes the following:

1. Roof Inspection

2. Electrical Inspection

3. HVAC (Heat & Air Conditioning) Inspection

4. Plumbing Inspection

What are they looking for in these
4-Point Inspection reports?

Insurance companies are generally looking for these systems to have been updated to current standards and to be functioning in good condition. The 4-Point Inspection is a tool for them to evaluate the condition of your home on these four major concerns.

What are the fees for a
4-Point Inspection?

A flat fee is assessed for most 4-Point Inspection reports. However, this fee is waived when a full home inspection is completed by Certified Building Inspectors and a 4-Point Inspection letter is requested at the time of the inspeciton.

Are there special forms to use for a
 4-Point Inspection?

Some insurance companies have special forms they require for the 4-Point Inspection. For the electrical inspection, for example,  they usually require information about the age, type and certain elements of the electrical system, which may have high claim ratios. Some insurance companies even require a licensed electrician to perform this type of specialized inspection. Please consult your insurance agent about their requirements .

Who can perform this 4-Point Inspection? Can I fill out the paperwork myself?

The insurance companies require licensed and qualified inspectors to complete the 4-Point Inspection. These inspectors are able to provide a professional opinion to the areas inspected. A home owner cannot complete the 4-Point Inspection form themselves.

Can I not comply with this 4 Point Inspection request?

It may be difficult  maintaining insurance coverage and/or acquiring new insurance due to the absence of a 4-Point Inspection. Some Insurance providers will no longer cover you without a 4-Point Inspection.

I am buying a home. Can I use this as a less expensive, pre-purchase home inspection?

The 4-Point Inspection is not intended for use as a pre-sale or pre-purchase comprehensive inspection. The 4-Point Inspection is geared for your insurance needs and will not contain all the information you will need to make an informed decision concerning your purchase.

Let Certified Building Inspectors bring peace of mind by providing you with all of your inspection needs!
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407-628-4405

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