A 4-point inspection is a limited inspection focused on the four areas insurers care about most when evaluating an older home: the roof, the electrical system, the plumbing and the HVAC system.
What it covers
- Roof: covering type, approximate age, visible condition and signs of leaks.
- Electrical: panel type and condition, wiring type, and visible hazards.
- Plumbing: supply and drain materials, water heater, and visible leaks.
- HVAC: system type, approximate age and whether it is operating.
Who needs one
Many Florida insurance companies request a 4-point inspection for older homes when writing or renewing a policy. The age threshold and requirements vary by insurer, so check with your agent.
What it is not
A 4-point inspection is not a full home inspection. It does not evaluate every component of the home and is not intended to help you decide whether to buy a property. If you're purchasing, a full buyer home inspection is the right tool.