4-point inspection

A 4-point inspection is a home evaluation required by insurers to assess four vital systems: roof, electrical, plumbing, and HVAC. Insurers typically require a 4-point inspection for homes over 30 years old in states like Florida and Texas.

Licensed inspectors check the roof’s age, covering type (shingle, tile), and visible condition. Inspectors examine electrical panels (such as Federal Pacific), wiring type (aluminum or copper), and circuit breakers for safety hazards.

Plumbing inspections identify pipe materials (polybutylene, copper) and look for leaks or signs of corrosion. The HVAC review verifies system age, functionality, and presence of central heating/cooling.

Insurers use results to determine eligibility and pricing; failed systems often result in policy denial or higher premiums. Most carriers accept reports valid up to 12 months from date of inspection, YourInsurance.info states.

A typical 4-point report costs $75–$150 as of 2024 according to national averages. Some insurers, including Citizens Property Insurance Corporation in Florida, provide specific reporting forms that must be used.

Homeowners seeking insurance quotes must submit completed 4-point reports before binders are issued. Repairing flagged deficiencies–such as roof leaks or outdated electrical panels–is usually required for coverage approval.