A 4-point inspection is not a universal pass-or-fail test. The inspector documents the visible plumbing material, age information when available, observed condition, leaks, deficiencies, and supporting photographs on the applicable report.
Why insurers pay attention to cast iron
Older cast-iron drain piping can corrode, scale internally, crack, leak, or deteriorate below the slab or underground. The risk varies by age, environment, installation, maintenance, and actual condition.
What the inspector can observe
The 4-point scope includes visible and accessible plumbing components. Concealed piping cannot be fully evaluated, and a 4-point inspection does not include an internal sewer-camera examination unless separately ordered.
Does cast iron mean automatic denial?
Not necessarily. Carrier rules differ and may change. Some insurers may request repairs, replacement, additional documentation, or a plumbing evaluation. Only the insurance company or agent can explain the underwriting outcome.
When a sewer camera may help
A sewer camera inspection can document the accessible interior of a main drain line. It has its own limitations and does not replace a licensed plumber’s diagnosis or repair proposal.
GGR insurance inspection area
GGR performs 4-point inspections in Miami-Dade, Broward, and Palm Beach counties, but not in St. Lucie County.