Florida 4-Point Inspections: A Homeowner’s Guide

If you are buying an older home in Florida or trying to renew your homeowners insurance, there is a good chance your insurance company will request a 4-point inspection. This inspection is not the same as a full home inspection. Instead, it focuses on four key systems that insurers consider high-risk in aging properties. Understanding how 4-point inspections work in Florida can help you prepare and avoid delays with your policy approval.

What Is a Florida 4-Point Inspection?

A Florida 4-point inspection is a targeted evaluation of the roof, electrical system, plumbing system, and HVAC system. Insurance companies use it to assess the age, condition, and safety of these components. In most cases, homes that are 20 years or older must have one before an insurance company will write or renew a policy.

1. Roof

The inspection notes the roof’s age, material, and overall condition. In Florida, insurers are often concerned with roofs nearing the end of their useful life due to the risk of leaks during heavy rains and hurricanes. Missing shingles, damaged flashing, or active leaks can be red flags for insurance approval.

2. Electrical System

The electrical portion examines the type of wiring, the brand and condition of the main panel, breaker safety, and any visible hazards. Insurance companies may require updates if your home has outdated panels, aluminum wiring, or missing GFCI protection where required.

3. Plumbing System

The plumbing review covers the type of supply and drain lines, their age and condition, and the water heater’s status. Certain pipe materials, like polybutylene, are often flagged due to failure history. Active leaks or corroded fittings may need to be addressed before coverage is approved.

4. HVAC System

The heating and cooling system is inspected for age, function, and safety. In Florida’s humid climate, a well-maintained HVAC system helps control indoor moisture, reduce mold risk, and ensure comfort year-round.

Why Insurance Companies Require It

A 4-point inspection helps insurance companies determine whether the home poses a higher risk of future claims. If any of the four systems are in poor condition or too old, the insurer may require repairs or replacements before coverage can be issued.

How It Differs from a Full Home Inspection

A full home inspection is a detailed evaluation of the entire property. A 4-point inspection is more limited in scope and is designed specifically to meet insurance requirements. It will not identify every issue in the home, but it will focus on the areas that matter most to insurers.

Tips for a Smooth 4-Point Inspection in Florida

• Keep documentation for any system replacements or repairs.

• Fix visible leaks, electrical hazards, or roof damage before scheduling the inspection.

• Consider updating older systems before they become a roadblock for insurance.

  
  

The Bottom Line

If your Florida home is over 20 years old, a 4-point inspection may be the key to getting or keeping your homeowners insurance. Working with a licensed inspector who understands Florida’s insurance requirements can help you avoid delays, ensure compliance, and give you peace of mind.