4-Point Inspection
Florida 4-Point Inspections
A focused inspection of the four systems most likely to cause an insurance claim—required by most carriers for homes 25 years and older.
Overview
What Is a 4-Point Inspection?
A Florida 4-point inspection is a focused evaluation of the four major systems in a home: roof, electrical, HVAC, and plumbing. Unlike a full home inspection, the 4-point exists for a single purpose—to give homeowners insurance carriers the information they need to decide whether to write or renew a policy.
Most Florida insurance companies require a 4-point inspection on homes older than 25–30 years. If you're buying, selling, switching carriers, or even just renewing your existing policy on an older home, there's a high probability your insurer will ask for one.
The inspection takes about 30–60 minutes on site. We submit the completed report on a state-standard form (often the Citizens 4-Point form), photo-documented for the underwriter.
Why Insurers Require It
Florida's Unique Insurance Landscape
Florida's hot, humid climate, hurricane exposure, and aging housing stock make insurance claims dramatically more frequent here than in most states. Carriers have responded by requiring 4-point inspections on older homes to confirm the four systems most responsible for catastrophic claims—roof failure, electrical fires, AC water leaks, and plumbing leaks—are in serviceable condition.
Without a passing 4-point, you may face higher premiums, exclusions, or even denial of coverage. With one, you give the underwriter clear, documented evidence that your home is insurable—which often translates to lower rates and easier renewal cycles.
Pillar's 4-point reports are accepted by every major Florida carrier including Citizens, State Farm, Tower Hill, Universal, Heritage, Federated National, and dozens of regional underwriters.
1. Roof Evaluation
We document the roof covering material, age, remaining useful life, and any visible damage, leaks, or repair needs. Insurers want to know if the roof has at least 3–5 years of life remaining, with no active leaks or substantial wear. We photograph the roof from multiple angles—often using a drone—so the carrier sees exactly what we see.
2. Electrical System Inspection
The electrical portion focuses on the main service panel and visible wiring. We confirm the panel brand and amperage, look for recalled or unsafe equipment (Federal Pacific, Zinsco, Sylvania), check for double-tapped breakers, aluminum branch wiring, knob-and-tube, and improper modifications. Carriers may decline or surcharge older or hazardous systems.
3. HVAC Inspection
Your air conditioning and heating systems are evaluated for age, condition, and operability. Equipment older than 10–15 years may trigger insurance restrictions. We document brand, model, manufacture date, and any visible deficiencies including refrigerant leaks, duct issues, or improper maintenance.
4. Plumbing Inspection
We identify the plumbing supply and drain materials, document the water heater (age, capacity, condition), and note any visible leaks, corrosion, or signs of failure. Polybutylene, galvanized steel supply, and cast iron drains are flagged because they materially affect insurability.
What You Get
The 4-Point Report
- Carrier-accepted, state-standard 4-point form
- Photo documentation of every system
- Brand, model, age & condition of each component
- Notes on any insurability concerns
- Same-day or next-business-day delivery
- Direct submission to your insurance agent on request
Need a 4-Point Inspection Fast?
Most 4-point inspections can be scheduled within 48 hours and reports delivered the same day.