What is a 4-point inspection in Florida?
A 4-point inspection documents the age and condition of a home's roof, electrical, plumbing and HVAC systems. Florida carriers commonly require one for older homes, often around 30 years and older, though the threshold varies by carrier. It is not a full home inspection.
What are the four points?
- Roof: material, age, remaining life, signs of leaks.
- Electrical: panel type and age, wiring type, hazards.
- Plumbing: supply and drain materials, water heater, leaks.
- HVAC: age and working condition.
What gets flagged?
Carriers often decline or require repairs for certain panels, older wiring types, and some older plumbing materials. Rules differ by carrier.
How do I prepare?
Gather permits for roof, electrical, plumbing and HVAC replacements. Fix visible leaks first. Many homeowners schedule the 4-point and wind mitigation inspection together.
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