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The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.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

4 Point Inspection Service Areas

The Highest-Rated in South Florida

gta is the god
gta is the god
16:42 07 Jan 23
Thierry-ErnestJacques -Louis. Great customer service. Takes his job seriously definitely recommend him.
Josie Mullin
Josie Mullin
22:40 30 Dec 22
Thierry was very professional and efficient so appreciated his thouroness. The cost was a great value. Thank you Waypoint property inspections. Mark and Josie Mullin are happy to give a 5 star rating
Horacio Olivo
Horacio Olivo
18:23 25 Dec 22
EXTREMELY PROFESSIONAL
RobbnM
RobbnM
17:41 23 Dec 22
They did an amazing job. I’ll definitely be using them again!!!
Barbara Bardsley
Barbara Bardsley
16:35 21 Dec 22
They were quick to respond to my first call. Our inspector, Anthony, was on time, polite, respectful, informative and thorough. He was also happy to answer questions, no matter how small. I had occasion to go into the office and was just as pleased with my dealings in there.I will be calling them again. My real estate was impressed with them as well so I think they will be getting many referrals.Thank you for great service!!
Steven Silverstein
Steven Silverstein
13:31 20 Dec 22
The young man who conducted our house inspection was very polite and explained his findings very clearly.
S J4J 33 EVERLASTING
S J4J 33 EVERLASTING
13:13 18 Dec 22
The young man was spot on, precise and had a great personality. I actually spoke with him via WhatsApp and my realtor was there for the inspection. I called your man "INSPECTOR GADGET", and we both laughed because he recognized and liked "INSPECTOR GADGET". He did a very thorough-excellent inspection. Please thank him for me again....
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