What is a 4 Point Inspection?: Four point inspections in Florida aren’t the most popular but they are the most requested home inspection service in Florida. A four point inspection is a home inspection that focuses on 4 major components of the building – Roof, Electrical, HVAC & Plumbing to determine the current state of the building for insurance eligibility. If the building has certain defects or products installed then the building could possibly not be eligible for insurance. Video Below.
What is a 4 Point Inspection Common FAQ:
1. How much does a 4 point inspection cost in Florida?
These inspections are done at your cost and generally run between $50-100. Ask your insurance agent for a recommendation on who to use. They often have lists of affordable inspectors.
2. How do I prepare for a 4 point home inspection?
Look for signs of moisture or sunlight coming through that shouldn’t. Broken or missing shingles aren’t much of a problem, but they can be the beginning of serious damage. Have your roofing professional replace missing and broken shingles before the 4–point inspection.
3. Who can perform a 4 point inspection in Florida?
The following FLORIDA-LICENSED individuals may complete a 4-Point Inspection for Citizens in its entirety:
A general, residential, or building contractor.
A building code inspector.
A registered architect.
A home inspector.
A professional engineer.
4. What is the difference between wind mitigation and a 4 point inspection?
During a wind mitigation inspection, your roof is the primary area of concern. Wind mitigation inspections are entirely voluntary (though perhaps this may change one day) while most homeowners get a four-point inspection because they are required to by an insurance company. The way I like to think of them is Wind Mitigation Inspection is used to receives discounts or credits in the form of discounts on your premium for your homeowner’s insurance. The four-point inspection is used to determine eligibility.
5. How long is a 4-point inspection good for in Florida?
The questions may change in number or specifics between insurers, but those listed above are some of the most common. A four-point home inspection report is typically valid for one year.
Four point inspections are the tools that insurance underwriters and insurance companies use to determine risk. As you might have guessed, there are four main things that are being examined during a four-point inspection: 1) Electrical, 2) Plumbing, 3) Roof and Structure, and 4) HVAC system.
A wind mitigation inspection is when a certified inspector checks your home's wind-resistant features. These features can be anything from door/window coverings to the way your roof is attached to your home to how your roof is sealed to prevent water from entering.
Onsite Report Delivery Available!
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition. Onsite Report Delivery Available!
This is our typical home inspection that catches common defects so you understand the investment you’re making; home inspector to conduct a thorough examination of the property and check for any problems or hidden defects with the electrical, plumbing, appliances, HVAC system, roof, foundation, etc.