Illustrative scene of homeowners beside an established Florida home with its roof visible

KEEP YOUR HOME PLANS MOVING

4 Point Inspections in Central & South Florida

Buying a home or renewing coverage? A 4 Point Inspection documents the roof, electrical, plumbing and HVAC systems for your insurer to review.

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Led by Fred Rodrigues, Certified Master Inspector®A closer look at the scope

WHAT THIS HELPS YOU DO

The four systems. One clear record.

Give your insurance agent the condition information requested for this property, with photos and observations you can understand.

Roof to HVAC

See the accessible conditions documented across the four systems, rather than trying to piece together the home’s history from memory.

Questions you can locate

Clear descriptions help you identify an observed concern and ask the appropriate contractor about further evaluation.

Paperwork you can use

Send the report to your insurance agent for review. The carrier determines its requirements, acceptance and coverage.

YOUR INSPECTION, STEP BY STEP

From the carrier’s request to your report.

The visit focuses on four systems and the form your insurer needs.

Four systems, documented for your insurer’s review.

Match the form

We review the carrier’s instructions and deadline when planning the appointment.

Inspect the systems

We examine accessible roof, electrical, plumbing and HVAC conditions and record access or operating limitations.

Document the findings

The report provides a record for the carrier. We explain inspection observations if you have questions.

KNOW WHAT TO EXPECT

What the inspection covers

Four systems, one focused report. We document accessible conditions and the information requested for your insurer’s review.

Roof

Visible condition, covering information, and available age documentation relevant to the requested report.

Electrical

Accessible electrical components and observed conditions that need to be documented or evaluated further.

Plumbing

Accessible supply and drain systems, water-heating equipment, and visible signs of leaks or deterioration.

Heating & cooling

Accessible HVAC equipment, system information, and observed operating conditions.

Clear documentation for your insurance conversation

Use the report to discuss the documented conditions with your insurance agent. The insurer decides whether it needs repairs, additional information or another report; the inspection does not approve coverage.

The insurer decides whether to offer coverage and whether repairs or additional documents are needed. An inspection does not guarantee insurance approval or replace a Pre-Purchase Inspection.

MAKE THE NEXT STEP USEFUL

Make room for the insurer’s review.

A little planning leaves time to respond if the carrier asks for more information.

Have the carrier’s instructions ready

Send the requested form and deadline. Gather relevant roof or repair records, have utilities available, arrange authorized access to the four systems, and tell us about equipment that is shut down; leave panel covers and unfamiliar equipment to the appropriate professional.

AI-anonymized illustration of a gas water heater with an open exhaust collar and no connected vent pipe — Based on a real field inspection photo, digitally anonymized with AI.

A CLOSER LOOK

Hot water. A missing exhaust connection.

What we found

The 4 Point report documented a gas water heater that was not vented outdoors. The equipment photograph showed the open exhaust connection.

What it means for you

Some inspection findings can be resolved with straightforward repairs. Documenting those repairs may improve your insurance options and give you a basis to ask your insurer for a better rate.

Your next conversation

Have a qualified contractor evaluate and correct the venting, then share the repair documentation with your insurance agent and request a review of your coverage and rate. Any premium change depends on the insurer and your policy.

BEFORE YOU BOOK

4 Point Inspection questions, answered.

What a 4 Point report does, when to arrange it and how it differs from other inspections.

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Who needs a 4 Point Inspection?

Homeowners or buyers whose insurance company requests a report on the roof, electrical, plumbing and HVAC systems need a 4 Point Inspection. There is no single home-age cutoff that applies to every insurer. Your agent’s request tells you whether it is needed for your property.

Is a 4 Point Inspection the same as Wind Mitigation?

No. A 4 Point Inspection documents the condition of four systems. Wind Mitigation documents wind-resistant construction features. An insurer may ask for one or both.

How much does a 4 Point Inspection cost?

The published base rate is $175 for homes under 4,000 sq ft, $300 for 4,000–5,999 sq ft and $450 for 6,000–6,999 sq ft. A 4 Point + Wind Mitigation combo starts at $275 for homes under 4,000 sq ft. Larger or multi-unit properties need a tailored quote; your property quote confirms the total.Get your property quote View the price guide

When should I arrange the inspection for my insurance deadline?

Arrange it as soon as your insurer requests the report. Schedule before the submission deadline, with time for the carrier’s review and any requested repairs or follow-up documentation. Share the exact deadline when booking so we can confirm whether the appointment fits.

What if my insurer requests repairs or more information?

Send us the carrier’s request. We can explain the findings and discuss updated inspection documentation; an appropriate contractor evaluates repairs, and the insurer decides what it accepts.

IN OUR CLIENTS’ WORDS