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The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.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

View A Sample 4 Point Inspection Report

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

Key Cities We Serve

Orlando

South Florida

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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

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

1696081706

Clear and concise.

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

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

1696076048

Oliver offered a great inspection and found many things for our builder to fix before closing. His help was so appreciated!

Karen Cohen

1695916203

Alex was very thorough and professional. Highly recommend.

Doug DeGroot

1695752359

efficient and professional, they brought 2 inspectors and covered everything quickly.

Brianne Raas

1695729452

Very friendly and full of information.

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!

Off The Set Props

1695595301

OUTSTANDING Home Inspection Service! A++

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

1695473860

Very prompt and great service!

Kristina Hoffman

1695473445

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

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

1695347915

Edy was very helpful and took care of the inspection promptly so I could secure a new homeowners insurance policy.

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

1695307981

Great Experience with this inspection company! Responsive and very quick turn around with inspection reporting.

Norma Glanville

1694703179

I would recommend Waypoint Inspections to all businesses!

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

1694540915

Thank you for doing a great job.

Anj

1694393644

Nice inspector and thorough. A referral with high recommendations.

Kim Molke

1694269568

thorough, accomodating, responsive!

Jeffrey Schwartz

1694191047

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

Robert's ReelFeel Reviews and Discussion

1693673136

Excellent professional inspection service, very thorough.

Dorian Holowicki

1693148445

Professional! Provided a summary at time of inspection. Written reports quickly emailed. I would highly recommend.

Susan Koopman

1692625668

They are excellent! The inspector was extremely thorough. The company was a pleasure to do business with.

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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