When you own or purchase a home, rental property, or condo in Florida, you will likely need for a 4 point inspection
before purchasing a homeowners policy.
Most insurance companies will require a 4 point inspection when a home is older than 40 years, or a rental property is older than 30 years.
You can get an insurance quote without an inspection. However, you will need inspection before actually purchasing the policy.
What is a 4 point inspection in Florida?
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) .
Here is what a 4 point inspection looks at:
Roof - Type of Roof Covering (shingles, tile, rolled). The age and condition of the roof. Are there missing shingles or leaks?
Electrical System - The type of the wiring in the home (copper, aluminium, knob and tube). The brand of the electrical panel. The condition of the homes electrical system
Heating and Cooling - Is there central heat and air in the home? The age and condition of the system. Are there signs of leaking?
Plumbing System - Type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutelene, etc. Is there evidence of current leaks? The age of the hot water heater.
Our certified inspector will provide a written report, in addition to photos of each of the major systems to provide to the insurance company.