4-Point Inspection FAQ

A short, insurance-specific inspection of four systems — roof, electrical, plumbing, and HVAC — documented in the standardized format Florida underwriters use to write or renew homeowner policies. Full details on the 4-Point service page.

Usually your home's age — most carriers request a 4-Point around the 30-year mark, and some sooner for older roofs, certain panels, or plumbing materials. It's a snapshot of system condition, not a judgment of your home.

No. A buyer home inspection covers every system for your purchase decision; a 4-Point documents four systems for an underwriter's file. Different scope, different audience, different form — they aren't interchangeable.

About 30–45 minutes on site, with the signed photo-documented report typically delivered within 24 hours — to you or directly to your agent.

Covering type, age (verified against permits where available), and condition indicators, with photos of each slope. Roof age is the heaviest single factor in Florida underwriting.

Panel brand and capacity, wiring methods, and known-issue equipment: Federal Pacific and Zinsco panels, aluminum branch wiring, cloth-insulated wiring, and double-taps. The form documents or rules out each by name.

Polybutylene supply lines are the headline item; galvanized supply and aging cast-iron drains also draw attention, along with water-heater age and condition. Materials are identified and photographed at accessible points.

System type, age from the nameplate, and operating condition — verified running. An aging-but-functional system is documented exactly as that.

The inspection itself isn't pass/fail — we document what's there, accurately. Whether a carrier writes or renews based on that documentation is the carrier's underwriting decision. Complete, current-form documentation is what keeps applications from stalling.

You'll know exactly what and where, with photos — which is also your repair scope. Many items that concern carriers (a panel swap, a water-heater replacement) are addressable, and an updated form after repairs is a routine follow-up. See our 4-Point guide for how carriers treat common findings.

The 4-Point format we use is the standardized layout Florida carriers routinely process, completed on current forms and signed under Florida License #HI‑14111. If your carrier has a proprietary form, we complete that edition — mention it at scheduling.

Carriers generally want a recent one — commonly within the last year at binding. If your closing or renewal stretches out, ask your agent whether the date still works; a re-issue on current conditions is straightforward.

Flat-priced — see the pricing page. It's commonly bundled with a wind mitigation and roof certification in the insurance bundle — one visit, three signed reports.

Yes — give us the agent's email at scheduling and the signed report delivers to both of you simultaneously, typically within 24 hours.

The electrical panel, water heater, HVAC equipment, attic access, and a working thermostat. Occupied homes are fine — the visit is quick and low-disruption.

Online at schedule an inspection, or call (877) 699-3299 — same-week availability is typical across all five counties.