If you’re a Florida homeowner, chances are you’ve encountered the term “Four Point Inspection” while shopping for or renewing your home insurance policy. Many insurance companies require this inspection before offering coverage, especially for homes over 20 years old. But what is a four point inspection, and why is it so important?

This blog will explain the purpose, process, and benefits of a four-point Inspection, particularly for homeowners in Florida. We’ll also explain how it differs from a full home inspection, what insurance companies are looking for, and what you can expect to pay.

What Is a Four-Point Inspection?

A Four Point Inspection is a focused home inspection that evaluates the condition of four key areas of a property:

Roof
Electrical system
Plumbing system
HVAC (Heating, Ventilation, and Air Conditioning)

Insurance providers request this inspection to assess the home’s risk factors. Rather than evaluating cosmetic or structural aspects, the 4-point inspection homes in on these major systems to determine whether they are outdated, defective, or need replacement.

You can learn more about the process from this detailed guide on 4 Point Home Inspections.

Why Is a Four Point Inspection Required?

Home insurance companies want to mitigate their risk. If your home has old wiring, a leaking roof, or a failing HVAC system, it could lead to a costly claim down the road. By requiring a Four Point Inspection, insurers can:

Identify high-risk homes
Require repairs before issuing coverage
Charge appropriate premiums
Deny coverage to homes with severe issues

This is especially common in Florida, where aging infrastructure and severe weather conditions can increase the risk of damage. A 4 point inspection in Florida can make or break your eligibility for homeowners insurance.

What Are Inspectors Looking For?

Each of the four systems is evaluated for safety, functionality, and compliance with current building codes.

1. Roof

Inspectors assess:

Age and material of the roof
Visible damage or missing shingles
Water leaks or signs of previous repairs
Remaining life expectancy

Insurance companies often require the roof to have at least 3–5 years of life left.

2. Electrical System

Inspectors check:

Type of wiring (aluminum wiring is often a red flag)
Electrical panel condition and brand (some are recalled or outdated)
Breaker functionality
Proper grounding and bonding

Outdated or unsafe systems may require upgrades before coverage is approved.

3. Plumbing System

Here, they evaluate:

Pipe materials (polybutylene and galvanized pipes are problematic)
Water heater condition and installation date
Visible leaks, corrosion, or clogs

Older homes with deteriorating plumbing may pose water damage risks.

4. HVAC System

Finally, inspectors will review:

Functionality of heating and cooling systems
Age of the unit(s)
Signs of rust, leaking, or improper installation

Lack of heating or cooling capability can disqualify a home from coverage.

How Is a 4-Point Inspection Different from a Full Home Inspection?

A 4-Point Inspection focuses only on the four main systems relevant to insurability. A full home inspection, typically done during a real estate transaction, covers everything from foundation to roofing, including structural integrity, safety issues, pest damage, and more.

In short:

Full Inspection = Comprehensive review of the entire home.
Four Point Inspection = Limited review for insurance purposes.

Who Needs a Four Point Inspection?

In Florida, homeowners often need a 4-Point Inspection if:

The home is over 20 years old
You’re purchasing a home and applying for a new insurance policy
You’re renewing your current policy and your insurance company requests it

It’s not just for buyers—existing homeowners should also be aware of this requirement, especially if their property is aging.

How Much Does It Cost?

The cost can vary depending on the company and location, but a typical 4 point inspection in Florida ranges from $75 to $150. This is a small price to pay when compared to the cost of home repairs or losing insurance coverage.

For a closer look at what goes into the cost, check out this breakdown on the 4 point inspection in Florida.

How to Prepare for a Four Point Inspection

Want your home to pass the inspection and qualify for insurance coverage? Here’s how to prepare:

Roof:

Clean debris and check for leaks
Make necessary repairs beforehand

Electrical:

Ensure your circuit breakers are labeled
Hire an electrician to update unsafe panels or wiring

Plumbing:

Check under sinks for leaks or corrosion
Replace any visibly damaged pipes

HVAC:

Replace air filters and check for proper operation
Remove debris from outdoor units

What Happens After the Inspection?

After the inspection, the inspector provides a report summarizing the condition of the four systems. You will share this report with your insurance provider.

Depending on the results:

You may be approved for coverage with no issues
Your insurer may request that certain repairs be made
You could be denied coverage if the risks are deemed too high

If repairs are needed, your insurance agent may advise you to complete them and then submit a re-inspection.

Final Thoughts

A Four Point Inspection might sound intimidating, but it’s actually a helpful process for both homeowners and insurance companies. It ensures that your home’s major systems are in good working condition and reduces the likelihood of surprise damage.

Understanding what is a four point inspection gives you an edge when navigating the insurance process. If your Florida home is older or you’re in the process of buying, be proactive. Schedule your inspection with a trusted provider like 4 Point Home Inspections and get the peace of mind that comes with being fully prepared.

Whether you’re renewing your policy or shopping for a new one, a 4-Point Inspection is an essential step toward responsible homeownership in the Sunshine State.

Home Insurance 101: What Is a Four Point Inspection?