4-Point Inspection Services
Professional 4-Point Inspections for Florida homeowners insurance requirements. Fast, thorough assessment of your roof, electrical, plumbing, and HVAC systems with same-day reports accepted by all major insurers.
What is a 4-Point Inspection?
A 4-Point Inspection is a focused assessment required by most Florida insurance companies for homes typically over 30 years old. Unlike a comprehensive home inspection, this targeted evaluation examines the four major systems that insurers consider most critical for determining coverage eligibility and rates: roofing, electrical, plumbing, and HVAC systems.
Insurance companies use 4-Point Inspections to assess risk and make informed decisions about coverage. A professionally completed inspection can help you maintain your current policy, secure new coverage, or potentially reduce your premiums. Since 2020, we've been helping Southwest Florida homeowners navigate insurance requirements with thorough, accurate inspections that meet all industry standards.
Why Florida Homeowners Need 4-Point Inspections
Policy Requirements
Insurance companies require 4-Point Inspections for older homes to assess coverage eligibility
Avoid Cancellation
Maintain your current coverage by documenting system conditions before renewal
Potential Savings
Systems in good condition may qualify for better rates or coverage options
Peace of Mind
Know the condition of your major systems and plan for future maintenance
The Four Critical Systems We Inspect
Roofing System
Age, material type, condition assessment
- Roof covering material and age verification
- Condition of shingles, tiles, or metal roofing
- Gutters, downspouts, and drainage systems
- Visible signs of leaks or damage
- Overall structural condition assessment
Electrical System
Panel type, wiring, safety compliance
- Main electrical panel age and type
- Circuit breaker or fuse box condition
- Visible wiring throughout accessible areas
- GFCI protection where required
- Overall electrical safety assessment
Plumbing System
Supply lines, drain systems, water heater
- Water supply line materials and condition
- Drain, waste, and vent system assessment
- Water heater age, type, and condition
- Visible plumbing fixtures and connections
- Signs of leaks or water damage
HVAC System
Heating/cooling equipment age and condition
- Air conditioning and heating unit age
- Equipment condition and maintenance status
- Ductwork in accessible areas
- Thermostat operation and controls
- Overall system functionality assessment
What You Receive
Professional Documentation
- Insurance-compliant 4-Point report format
- High-quality photos of each system
- Age and condition documentation
- Clear assessment of system functionality
Fast, Reliable Service
- Same-day or 24-hour report delivery
- Accepted by all major Florida insurers
- Licensed and insured inspector
- Post-inspection support and guidance
Accepted by All Major Florida Insurers
Citizens Insurance
Universal Property
Heritage Insurance
Florida Peninsula
Federated National
Tower Hill
American Coastal
Slide Insurance
United Property
Avatar Property
Lighthouse Insurance
Monarch Insurance
...and many other Florida insurance carriers
Our 4-Point Inspection Process
Quick Scheduling
Call or text to schedule, typically within 24 hours
Focused Inspection
1-2 hour assessment of the four critical systems
Documentation
Professional photos and condition assessment
Fast Report
Insurance-ready report delivered within 24 hours
Maximize Your Savings with Combination Services
4-Point + Wind Mitigation
Schedule both inspections together for maximum convenience and insurance savings. One visit, two reports, comprehensive coverage.
Learn about Wind Mitigation →4-Point + Full Inspection
Upgrade to a comprehensive home inspection for complete peace of mind. Perfect for buyers who need both insurance compliance and full property assessment.
Learn about Home Inspections →Southwest Florida Service Areas
What Our Customers Say
"Needed a 4-Point for insurance renewal on my 35-year-old home. Fast service, professional report, and my insurance company accepted it immediately. Saved me from having to find new coverage."
Helen S.
Cape Coral
"Great experience with both 4-Point and Wind Mitigation inspections done together. Saved time and money, and the inspector explained everything clearly."
Tom R.
LaBelle
"Professional service and quick turnaround. The 4-Point report was exactly what my insurance company needed, and the inspector found no major issues with my home systems."
Maria L.
Lehigh Acres
Frequently Asked Questions About 4-Point Inspections
What is a 4-Point Inspection and why do I need one?
A 4-Point Inspection is a focused assessment of four major home systems: roof, electrical, plumbing, and HVAC. Florida insurance companies require this inspection for homes typically over 30 years old to assess risk and determine coverage eligibility and rates.
How long does a 4-Point Inspection take?
Most 4-Point Inspections take 1-2 hours depending on home size and accessibility. Since we're focusing on specific systems rather than the entire home, it's faster than a comprehensive inspection.
When will I receive my 4-Point Inspection report?
You'll receive your detailed 4-Point report within 24 hours, often same-day. The report includes photos and documentation formatted specifically for insurance company requirements.
What insurance companies accept your 4-Point Inspections?
Our 4-Point Inspections are accepted by all major Florida insurance carriers including Citizens, Universal, Heritage, Florida Peninsula, and others. We format reports to meet industry standards.
How much can a 4-Point Inspection save on insurance?
While we can't guarantee savings, many homeowners see reduced premiums or avoid policy cancellation when systems are in good condition. The inspection cost often pays for itself through insurance benefits.
What happens if issues are found during the 4-Point Inspection?
We document the current condition honestly and professionally. If issues are found, the report helps you understand what may need attention for insurance compliance. We provide practical guidance on addressing any concerns.
Can you do a 4-Point and Wind Mitigation inspection together?
Absolutely! Many homeowners schedule both inspections together for maximum convenience and insurance savings. We can complete both during a single visit and provide separate reports for each.
Ready to Schedule Your 4-Point Inspection?
Don't let insurance requirements catch you off guard. Get your 4-Point Inspection completed quickly with same-day reports that meet all Florida insurance company standards.
Usually available within 24 hours • Same-day reports • All insurers accepted