4-Point Inspections in South Florida
Florida insurance companies often request a 4-point inspection when a home reaches a certain age or when a policy is written or renewed. Tough Shield Inspections provides 4-point inspections throughout Broward, Palm Beach, and Miami-Dade counties.
What Is a 4-Point Inspection?
A 4-point inspection is a focused review of four major systems: the roof, electrical system, plumbing system, and heating and cooling system. The inspection documents visible conditions, approximate ages when available, and key features requested by the insurance carrier.
The Four Systems We Review
Roof
We document the roof covering, visible condition, roof shape, signs of deterioration, and available information about age or replacement.
Electrical
We review the main panel, visible wiring types, amperage, and conditions that may affect insurability or require further evaluation.
Plumbing
We document visible supply and drain materials, the water heater, accessible fixtures, and evidence of active leaks or prior damage.
Heating and Cooling
We record the installed HVAC equipment, approximate age when available, and visible operating condition at the time of inspection.
What to Expect
The inspection includes the photographs and system information needed to complete the applicable 4-point form. Requirements vary by carrier, and an inspection does not guarantee that a policy will be issued. If the inspector identifies a concern, you can use the findings to discuss next steps with your insurance agent or an appropriately licensed contractor.
4-Point Inspection vs. Full Home Inspection
A 4-point inspection is not a substitute for a full home inspection. It is limited to four systems and is primarily used for insurance underwriting. Buyers who want a broader understanding of the property should schedule a full inspection as well.
Frequently Asked Questions
Who requests a 4-point inspection?
Insurance companies commonly request it for older homes, new policies, or policy renewals.
Can a 4-point inspection lower my premium?
The inspection documents the home’s systems. Pricing and eligibility decisions are made by the insurance carrier.
Do I also need a wind mitigation inspection?
Many homeowners order both, but they are separate inspections. A wind mitigation inspection documents features that may reduce windstorm risk.
Request a 4-Point Inspection
4-Point Inspections in South Florida
Florida insurance companies often request a 4-point inspection when a home reaches a certain age or when a policy is written or renewed. Tough Shield Inspections provides 4-point inspections throughout Broward, Palm Beach, and Miami-Dade counties.
What Is a 4-Point Inspection?
A 4-point inspection is a focused review of four major systems: the roof, electrical system, plumbing system, and heating and cooling system. The inspection documents visible conditions, approximate ages when available, and key features requested by the insurance carrier.
The Four Systems We Review
Roof
We document the roof covering, visible condition, roof shape, signs of deterioration, and available information about age or replacement.
Electrical
We review the main panel, visible wiring types, amperage, and conditions that may affect insurability or require further evaluation.
Plumbing
We document visible supply and drain materials, the water heater, accessible fixtures, and evidence of active leaks or prior damage.
Heating and Cooling
We record the installed HVAC equipment, approximate age when available, and visible operating condition at the time of inspection.
What to Expect
The inspection includes the photographs and system information needed to complete the applicable 4-point form. Requirements vary by carrier, and an inspection does not guarantee that a policy will be issued. If the inspector identifies a concern, you can use the findings to discuss next steps with your insurance agent or an appropriately licensed contractor.
4-Point Inspection vs. Full Home Inspection
A 4-point inspection is not a substitute for a full home inspection. It is limited to four systems and is primarily used for insurance underwriting. Buyers who want a broader understanding of the property should schedule a full inspection as well.
Frequently Asked Questions
Who requests a 4-point inspection?
Insurance companies commonly request it for older homes, new policies, or policy renewals.
Can a 4-point inspection lower my premium?
The inspection documents the home’s systems. Pricing and eligibility decisions are made by the insurance carrier.
Do I also need a wind mitigation inspection?
Many homeowners order both, but they are separate inspections. A wind mitigation inspection documents features that may reduce windstorm risk.