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4 Point Inspection Tampa Bay, FL

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, FL

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The insurance company wants to know if there is an outdated electrical panel, what type of wiring is in the home, and if there are any other safety hazards or outdated/improperly installed materials.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

Brittany Crosby
Brittany Crosby
00:23 04 Feb 23
Oliver worked diligently with me to correct any errors in our report. Also provided helpful tips and feedback to my husband regarding the minor issues that needed to be corrected. Oliver went above and beyond and overall I am pleased with the services I received and will use again.
Chelsea Johnson
Chelsea Johnson
22:54 03 Feb 23
My experience was great! Jim was prompt, efficient, and explained the process in a way I could understand.
Brenda Fulmer
Brenda Fulmer
14:47 03 Feb 23
This is my third experience with Waypoint and its inspectors, and they have been exceptional each time. Within days, we were able to schedule and complete time-sensitive inspections. The report that we received was incredibly detailed and very helpful in our real estate transaction. Also, the inspectors spent time talking to us after their inspection to explain the areas of greatest concern so that we could get started on addressing the issues even before receiving the report (which was received less than a day later). I would definitely use Waypoint again.
ANGEL JUSTINIANO
ANGEL JUSTINIANO
19:52 02 Feb 23
This company went above and beyond, went through every part of the home and surrounding area Allen is an amazing inspector. Professional uniform up to par, complete and understanding of inspection before and after. It was a pleasure doing business with this company. I will definitely be extending them to family as well. Two Thumbs Up!
Bridget Goodwin
Bridget Goodwin
19:07 02 Feb 23
Considerate, thorough and very knowledgeable
Maryann Bacon
Maryann Bacon
18:26 02 Feb 23
Waypoint is wonderful! I am a first time home buyer and I had no clue what to expect. From the time I called to schedule my appointment I received great sevice. My inspector, Caleb, was professional, thorough and addressed all my questions.I would recommend Waypoint for your home inspection needs.
Annette Muse
Annette Muse
17:24 02 Feb 23
Service was perfect, inspection and report very thorough and well documented.
Alicegoogle Xiang
Alicegoogle Xiang
00:10 02 Feb 23
Very professional work. Thanks very much.
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