Thinking of buying an older home in Florida or renewing your insurance policy? You might be asked for a 4-point inspection—and here’s why it matters.
A 4-point inspection is a focused home inspection required by many insurance companies in Florida. It covers four major systems in the home: Roof, Electrical, Plumbing, and HVAC (Heating & Cooling). Insurance companies use this report to determine the risk level of insuring an older property, usually one that’s over 20 years old.
Unlike a full home inspection, which is for buyers and covers everything from the foundation to the faucet, a 4-point inspection is insurance-focused. It zeroes in on safety, age, and condition of those four systems.
Let’s break it down:
-
Roof: Inspectors check for age, visible damage, type of material, and signs of active leaks.
-
Electrical: Includes panel type, wiring (like aluminum or cloth wiring), grounding, and any potential fire hazards.
-
Plumbing: We evaluate pipe materials (such as copper, polybutylene, or cast iron), water heaters, and signs of leaks or deterioration.
-
HVAC: Covers the cooling and heating systems, their age, and whether they’re safely and effectively functioning.
If you’re in South Florida, chances are your insurance provider will want a 4-point inspection before issuing or renewing coverage—especially for homes built before 2002. At RH Inspections, we’re licensed and experienced in performing these inspections efficiently and professionally.
What to Expect During Your 4-Point Inspection
When I arrive for a 4-point inspection, my goal is to make the process clear and straightforward. I’ll be taking detailed photos of each of the four major systems — roof, electrical, plumbing, and HVAC — so your insurance company has the documentation they need. I’ll need access to all bathrooms, the water heater, electrical panels, the air conditioning system, and any plumbing areas like under sinks or behind appliances. If you’re home during the inspection, feel free to ask questions — I’m always happy to walk clients through what I’m seeing and what it means for their property. Inspections typically take about an hour, and I deliver the report the same day in most cases.
Final Call-to-Action Paragraph:
Need a 4-point inspection in South Florida? We’re here to help! Schedule your inspection with RH Inspections and get fast, reliable reports that help keep your home covered.
👉 Visit rhinspector.com to book your inspection today!