Who It's For
Homeowners, buyers, and sellers who need current documentation on the four major systems for insurance review.
4-Point Inspection
4-Point Inspection in Florida — Roof, Electrical, Plumbing & HVAC Review
A 4-point inspection documents the roof, electrical, plumbing, and HVAC systems for insurance-related review.
A 4-point inspection focuses specifically on four major systems that insurers commonly ask about: the roof, electrical, plumbing, and HVAC. The goal is to document the age, visible condition, and key characteristics of those systems in a concise, insurance-oriented format.
This service is typically needed by homeowners, buyers, and sellers when an insurer, underwriter, or agent requests updated documentation for new coverage, renewal, or policy review. Timing matters, so it is best to schedule as soon as the request comes in.
A 4-point inspection can be the difference between a delay and a smoother insurance process. Clear documentation helps answer underwriting questions quickly and gives you the information needed to move coverage decisions forward.
When To Schedule
Schedule when your insurer requests a 4-point inspection or when a policy update requires current documentation.
What You Receive
A completed 4-point report summarizing the roof, electrical, plumbing, and HVAC systems in a format commonly used for insurance underwriting and policy review.
4-Point Inspection — Frequently Asked Questions
What does a 4-point inspection cover?
A 4-point inspection covers four major systems: the roofing system, electrical system, plumbing system, and HVAC. The inspector documents the approximate age, visible condition, and notable characteristics of each system in a format commonly used for insurance underwriting.
Why do Florida insurers require a 4-point inspection?
Florida insurers often require a 4-point inspection for older homes — typically those 20 to 25 years or older — to assess the risk associated with the four major systems before issuing or renewing a homeowner's policy. The report helps underwriters evaluate whether the systems are in acceptable condition for coverage.
How long does a 4-point inspection take?
A 4-point inspection typically takes one to two hours. Because it focuses only on the four major systems rather than the full property, it is faster than a general home inspection.
How long is a 4-point inspection report valid?
Most Florida insurers accept a 4-point inspection report for one to five years, though requirements vary by carrier. Check with your insurer or agent for their specific requirements, especially if you are approaching renewal.
Can I combine a 4-point and wind mitigation inspection?
Yes. Proview can perform both a 4-point inspection and a wind mitigation inspection during the same visit. Combining them is a practical and efficient option for homeowners who need both reports for insurance purposes.
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