Florida 4-Point Inspection: What Homeowners Should Know

A 4-point inspection gives an insurance company a focused snapshot of a home’s roof, electrical, plumbing, and HVAC systems. It is not a pass-or-fail buyer inspection, and underwriting decisions belong to the insurer.

What the inspection covers

The report focuses on the roof, electrical system, plumbing system, and heating and cooling equipment. The inspector documents visible conditions, approximate ages, materials, and available supporting photos.

Why an insurer requests it

Insurers use the report to evaluate property-condition risk and may request repairs, additional documentation, or specialist evaluation. Requirements vary by carrier, property, and policy.

Common concerns

Active leaks, damaged roofing, unsafe electrical components, plumbing leakage, deteriorated supply or drain materials, and HVAC problems often require closer review. The inspector reports observations but does not make the underwriting decision.

How to prepare

Provide safe access to the electrical panel, water heater, air handler, attic opening, and visible plumbing. Gather roof permits, replacement invoices, and professional repair records when available.

Service area and next steps

GGR provides insurance inspections in Miami-Dade, Broward, and Palm Beach Counties. Confirm the required form and timing with your insurance agent before scheduling.

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.