What the form is used for
Florida insurers often request a 4-point inspection form when they are reviewing an older home or deciding whether to issue or renew a policy. The report helps the carrier evaluate four major systems: the roof, electrical, plumbing, and heating and cooling equipment.
The inspector documents visible and accessible conditions, available age information, and the photographs required by the applicable form. The insurer—not the inspector—makes the final underwriting and eligibility decision.
The four systems documented
Roof
The form records the roof covering, approximate age when available, visible condition, and signs that may affect remaining service life.
Electrical
The inspector documents the main panel, wiring types that are visible, amperage, and observable conditions that may require further review.
Plumbing
The report identifies visible supply and drain materials, the water heater, and accessible evidence of leakage or deterioration.
HVAC
The form records the heating and cooling equipment, approximate age, and whether the system was operating at the time of inspection.
How to prepare for the inspection
- Provide clear access to the electrical panel and water heater.
- Make the HVAC equipment and thermostat accessible.
- Unlock gates and areas needed for exterior and roof observations.
- Share permits, invoices, or replacement records if they are available.
How long is the form accepted?
Acceptance periods and required form versions vary by insurance company. Your agent or carrier should confirm whether a current inspection is needed and which form they will accept.
Where GGR provides insurance inspections
GGR Home Inspections provides 4-point and wind mitigation insurance inspections in Miami-Dade, Broward, and Palm Beach counties. We do not provide insurance inspections in St. Lucie County.
If you also want a broader evaluation of the property, compare the 4-point inspection with a full home inspection or review our 4-point and wind mitigation service.