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4 Point Inspection

What Is A 4 Point Inspection?

If a home is close to, or over 30 years old, insurance companies may request a 4 point inspection report. This report is an overview of the general condition of the roof, electrical, HVAC, and plumbing systems. Insurance companies want to make sure all four systems are in good working order or have been updated because the home is older. In some cases, insurance companies may request the 4 point inspection, as soon as, 10 years old. Read below to see what is involved in a 4 point inspection in Tampa Bay, Orlando, and South Florida.

Roof

Most insurance companies require the roof to have at least 3-5 years of life expectancy remaining. Any signs of leaks (past or present), deteriorated materials, and repairs are also noted. 

Electrical

The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.

HVAC

Insurance companies want to see that the heating and cooling system is in good working condition, that it has been regularly maintained, and that there aren’t signs of damage or deterioration.

Plumbing

Certain types of plumbing, such as polybutylene and deteriorated cast iron, may be considered red flags by insurance companies. They also want to know if there any signs of leaks.

Frequently Asked Questions

There are a lot of questions and concerns when it comes to 4 point inspections, especially when a home transaction is involved. Be sure to read our FAQs thoroughly and if you need further assistance, feel free to contact our office.

How Do I Pass A 4 Point Inspection?

A 4 point inspection is not a pass or fail, however, an insurance company may request repairs after a 4 point inspection is completed in order to qualify for insurance. Some insurance companies may provide a grace period of about 30 days after a home purchase to repair/fix items noted in the 4 point inspection.

How Long Is A 4 Point Inspection Good For?

A 4 Point Inspection is generally good for the life of the policy or until the insurance underwriter wants to request a new inspection (which is rare). That being said, a new 4 point inspection may be requested if a home is sold regardless if the seller has a previous 4 point available.

Can A 4 Point Inspection Replace A Home Inspection?

A 4 Point Inspection is not a replacement for a full home inspection. A home inspection covers many other important items in the home, such as grading, the structure, and appliances. In addition, the 4 point inspection only covers the 4 points in a general overview. A home inspection report may provide additional detail and recommendations.

4 Point Inspection Service Areas

The Highest-Rated in Florida

4.9
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4.9
Based on 2840 reviews
Hoss Hoss
Hoss Hoss
1696144210
Waypoint did an amazing job and were complete professionals and didn't leave a stone unturned. I would recommend to anyone who is looking for a home inspection
anthony bagent
anthony bagent
1696088532
Great finds when they inspected the roof and A/C unit. Their findings were easy to interpret and worked great for the builders to fix. I will use them in the future and direct people to use their services.
Gary Blake
Gary Blake
1696081706
Clear and concise.
E Helchen
E Helchen
1696080868
Since I was purchasing from out of state, I had my sister meet Eddie, the inspector, at the property. I was on the phone during the process. Eddie was very professional and did a thorough job of inspecting the property. I was able to ask questions and he was very knowledgeable. I received his report the same day and was able to get the Seller to fix several items on the list of issues. I highly recommend this company!!!
Tawnee Sons
Tawnee Sons
1696078255
They were pretty amazing to work with. They write you back lightning quick, and show up on time with a professional and kind inspector. Definitely recommend
Amanda Henley
Amanda Henley
1696076048
Oliver offered a great inspection and found many things for our builder to fix before closing. His help was so appreciated!
Karen Cohen
Karen Cohen
1695916203
Alex was very thorough and professional. Highly recommend.
Doug DeGroot
Doug DeGroot
1695752359
efficient and professional, they brought 2 inspectors and covered everything quickly.
Brianne Raas
Brianne Raas
1695729452
Very friendly and full of information.
Che
Che
1695725367
From the jump, the team was on point setting up the appointment with my builder and then Anthony came out to my home site for the inspection and was a complete pro! Big thanks for his time, expertise and professionalism! He called me with a full rundown and confirmed the build was on point too. Absolutely will call on him again for final inspection. Thanks team!
OUTSTANDING Home Inspection Service! A++
Polardo Dipaula
Polardo Dipaula
1695489104
The service was prompt, and the quality is exceptional. This company will be my first choice in future dealing, and I will definitely refer and suggest Waypoint to colleagues and family members. A very rare type of quality service.
Tracy Casten
Tracy Casten
1695473860
Very prompt and great service!
The team at waypoint was professional, personable and explained everything point by point. They took the time to not only go through the report, but also to show us exactly what everything looked like real time. Very helpful during one of the most important times and expenses in our lives.
Brenda Baril
Brenda Baril
1695423878
Oliver did a fantastic job with our 1 year warranty inspection. He was professional and thorough. He also took the time to go over the report with me and point out where we need to get the builder to take action. Thank you Waypoint for a great experience!
Phillip D'Amico
Phillip D'Amico
1695347915
Edy was very helpful and took care of the inspection promptly so I could secure a new homeowners insurance policy.
Ed Siler
Ed Siler
1695327818
Waypoint was great to work with and very professional. Donnie was personable and answered all my questions. I would recommend using them to anyone needing an inspection.
Lori Leonardi
Lori Leonardi
1695307981
Great Experience with this inspection company! Responsive and very quick turn around with inspection reporting.
Norma Glanville
Norma Glanville
1694703179
I would recommend Waypoint Inspections to all businesses!
Dawn Forgione
Dawn Forgione
1694703027
Vincent was extremely helpful with questions even a week after the inspection was complete. My buyer and I Appreciate the outstanding customer service received
Rod Tekavec
Rod Tekavec
1694540915
Thank you for doing a great job.
Anj
Anj
1694393644
Nice inspector and thorough. A referral with high recommendations.
Kim Molke
Kim Molke
1694269568
thorough, accomodating, responsive!
Thierry was a wonderful inspector. He reviewed the entire process prior to his beginning his inspection. as he finished each task he updated me. Additionally, after the inspection he showed me all the things i needed to do (Not many). All in all a good experience and an excellent company.My reports were timely and accurate. I appreciate the work and care that they used in inspecting my premises
Excellent professional inspection service, very thorough.
Professional! Provided a summary at time of inspection. Written reports quickly emailed. I would highly recommend.
Susan Koopman
Susan Koopman
1692625668
They are excellent! The inspector was extremely thorough. The company was a pleasure to do business with.
Dr. Leibovitz
Dr. Leibovitz
1691068825
Great company for inspections. We used them more than once and have always been more than pleased. Vinnie is a fantastic inspector and I would highly recommend him to anybody. This company is great
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