4-Point Inspection
4-Point Inspections for Home Insurance in Seminole & Volusia Counties
A focused look at the four systems insurance carriers care about most — roof, electrical, plumbing, and HVAC — documented on the form your insurer needs to write or renew your policy.
Why It's Required
Carriers want the four systems most likely to cause a claim
Most Florida insurers ask for a 4-point inspection before writing or renewing a policy on an older home — commonly around 25 to 30 years old, though the exact threshold is set by each carrier. The report documents the type, approximate age, and condition of the roof, electrical, plumbing, and HVAC systems, along with any visible deficiencies.
The goal is straightforward: show the carrier that these four systems are in serviceable condition and not a near-term claim risk. We report what we find plainly, with photos, so there are no surprises for you or your agent.
The Four Systems
What a 4-point inspection covers
Four systems, documented with photos and plain language your carrier can act on.
Roof
Covering type and approximate age, documented remaining service life, visible leaks or damage, and permit history where records are available. The roof is the single most common reason a policy gets flagged.
Electrical
Panel brand and amperage, wiring type, breaker and fuse condition, double-taps, and the presence of GFCI protection. We note the conditions carriers specifically ask about, such as aluminum branch wiring or known problem panels.
Plumbing
Supply and drain line materials, water heater age and condition, and any visible leaks or corrosion. Materials such as polybutylene supply lines or aging cast iron drains get called out because carriers scrutinize them.
HVAC
System type and approximate age, whether it is operational at the time of inspection, and visible issues at both the air handler and the condenser — including condensate problems and past repairs.
Common Findings
What commonly gets flagged
None of these automatically means bad news — but knowing about them before your carrier does gives you time to act.
Polybutylene supply lines
Grey or blue plastic supply piping used into the mid-1990s. Many carriers will not write a policy until it is replaced.
Aluminum branch wiring
Common in homes built in the late 1960s and 1970s. Carriers usually want it remediated with approved connectors.
Known problem panels
Federal Pacific Stab-Lok and Zinsco panels are routinely flagged for failing to trip reliably.
Cloth-insulated wiring
Older cloth or fabric-sheathed wiring, and any active knob-and-tube, is treated as a hazard.
Roof near end of life
A covering with little documented life left is the most frequent reason a carrier declines or requires replacement.
Aging water heater
Units past their expected service life get noted, since failures cause water damage claims.
HVAC age and condition
Systems roughly 15 years or older, or not operating at the time of inspection, are called out.
Active leaks or prior repairs
Visible moisture, staining, or informal repairs under sinks and at the air handler all get documented.
Know The Difference
A 4-point is not a full home inspection
If you are buying a home, book the full inspection — and we can complete the 4-point and wind mitigation forms during the same visit.
A 4-Point Inspection
Covers only roof, electrical, plumbing, and HVAC. It exists to answer your insurance carrier's questions about those four systems. It is not a full evaluation of the home and is not intended to guide a purchase decision.
A Full Home Inspection
A comprehensive, top-to-bottom evaluation — structure, roof, attic, exterior, interior, insulation, ventilation, and all major systems. This is the one to book if you are buying a home and want the complete picture.
Insurance Deadlines
Need your 4-point form quickly?
We know renewal deadlines do not wait. Call and we will get you scheduled.