A 4-point inspection looks at four key systems in an older home: the roof, electrical, plumbing and heating and air conditioning. Many Florida insurers ask for one before writing a policy on an older home, because these systems cause many claims. The report helps the carrier decide whether to insure the home.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
When is a 4-point inspection required?
Carriers set their own rules, but many ask for a 4-point inspection on homes that are roughly 25 to 30 years old or more. Some also ask when you switch carriers or buy an older home.
Your broker can tell you which carriers need one before you schedule the inspection.
What can cause a home to fail?
Common problems include an old or damaged roof, outdated electrical panels, aluminum branch wiring, polybutylene plumbing and leaking water heaters.
Fixing these items does more than help you get insured. It also lowers the chance of a fire or water damage claim.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Is a 4-point the same as a wind mitigation inspection?
No. A 4-point checks the condition of major systems, while a wind mitigation inspection documents features that can earn wind discounts.
Many inspectors can do both during the same visit, which saves time and money.
Frequently Asked Questions
How long does a 4-point inspection take?
It usually takes under an hour for a typical single-family home.
How long is a 4-point inspection valid?
Carriers often accept a report for about a year, but rules vary. Ask before you schedule.
Does a condo need a 4-point inspection?
Some carriers ask for one on older condo units, mostly focused on electrical, plumbing and the water heater.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
