What Is a 4-Point Inspection in Florida?

A 4-point inspection is a limited insurance-focused review of the roof, electrical, plumbing, and HVAC systems. It is not a substitute for a full buyer home inspection.

The four systems

The report documents visible information about roof age and condition, electrical service and panels, plumbing supply and drain systems, water heating, and heating and cooling equipment. Insurers use the information for underwriting.

Why documentation matters

The form may require equipment photographs, permit or age information, roof details, and evidence of updates. Missing documentation can lead to follow-up questions even when a component appears serviceable.

A 4-point is not a full inspection

The limited form does not provide the broad room-by-room evaluation, structural review, appliance operation, site observations, or detailed defect narrative expected from a buyer inspection.

Prepare without hiding defects

Provide accessible panels, equipment, water heaters, attic openings, and relevant records. Do not make unsafe temporary repairs or conceal known leakage, damaged wiring, or deteriorated materials.

GGR service area

GGR Home Inspections provides insurance-related 4-point inspections in Miami-Dade, Broward, and Palm Beach Counties. Call 305-908-7050 to confirm availability and the insurer’s current form requirements.

Frequently asked questions

Can a home inspection confirm every hidden condition?

No. A standard inspection is visual and non-invasive. Accessible evidence is documented, and further specialist evaluation is recommended when needed.

When should a specialist be called?

Seek qualified help when there is an active safety concern, water intrusion, uncertain installation, specialized testing need, or repair beyond ordinary homeowner maintenance.