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4 Point Inspection South Florida

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The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.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

The Highest-Rated in South Florida

Our inspector, Chris, was AMAZING. He was incredibly thorough and took the time to explain all of the findings and how to fix them. He was so patient with any questions we had. The pdf document of pictures, explanations, and recommendations is so helpful. Overall an amazing experience with this company, thank you! And thank you Chris for working on Saturday and making the drive for our inspection…you’re the best.
Response from the owner: Wow! Thank you, Delaney, for the kind words about Inspector Chris! Our team is passionate about what we do, and it’s great to see that it translates into results for our clients. We’re glad to hear that you’ve been happy with our work, and we look forward to continuing to deliver value and results in the future
On time, on point, easy to deal with and completely professional. Would recommend in a heart beat!
Response from the owner: Hello Marlene, this review made our day! It’s always great to receive feedback from clients like you. We’re glad we’ve impressed you during the inspection and that you trust us with your business. If there's anything we can do to help you in the future, please let us know.
Recently had a home inspection with Waypoint. This was our second time using them on a home purchase. Both times the job was completely thoroughly. Highly recommend.
Response from the owner: Hello Staci, this review made our day! It’s always great to receive feedback from clients like you. We’re glad we’ve impressed again you during the inspection and that you trust us with your business. Thank you for your recommendation!
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