Orlando, Florida
4 Point Inspections in Orlando, FL
When your insurance agent requests a 4 Point report, start with the exact request and the property address. We document the four named systems so you can take the findings back to your insurance conversation.
Led by Fred Rodrigues, Certified Master Inspector®A closer look at the scope
THE RIGHT INSPECTION FOR THIS HOME
Clearer documentation for your insurance conversation.
For buyers and homeowners whose insurer or insurance agent has requested current information about the property when applying for or renewing coverage.
Compare inspection purposesKNOW 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.
Full 4 Point Inspection guide
Based on a real field inspection photo, digitally anonymized with AI.Hot water. A missing exhaust connection.
See what we documented, why it matters and the recommended next steps.
See the finding and next stepsYOUR INSPECTION, EXPLAINED
Questions about your inspection
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.
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
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Optional: property records and local guidance for Orlando
Looking into earlier renovations or gathering documents? These resources can help. You do not need to complete this research to book your inspection. Share what you have and ask us about the rest.
Check who holds your Orlando property records
Orlando mailing addresses can fall outside city limits. Confirm the parcel’s jurisdiction before searching roof or equipment replacement records. For property inside the city, Orlando’s permit lookup and Building & Development resources are the starting point; an unincorporated Orange County property uses county resources.
Find the permit that matches the work
For a property inside Orlando city limits, open the city’s Property Information page and choose Check Permit Status. Search by the address, parcel ID or a known permit number. Compare the available roof, electrical, plumbing and HVAC records with the work dates provided by the owner; record what the documents establish and what still needs clarification.
Official lookup guidanceSeparate a final permit from a current condition report
For a matching Orlando permit, check whether its status is final. The city directs owners to request a Certificate of Occupancy or Certificate of Completion through digitalpermits@orlando.gov with the permit number in the subject line. If you need that document, confirm which certificate applies to the work. Its completion history is useful context; the 4 Point report still documents current observations of the four systems.
Official lookup guidanceHave the request and access ready
Send your insurer’s requested form and deadline, gather available records, and arrange authorized, safe access to the systems or features being documented. Tell us about inaccessible areas or equipment that is shut down. Leave panel covers and unfamiliar or unsafe equipment to the appropriate professional.
Local property questions
Is a 4 Point report enough when buying an Orlando home?
It is a focused insurance report about four systems. A Pre-Purchase Inspection addresses a broader home-condition decision. Compare the purposes and check which reports are included in your property quote.
Does a roof permit prove the current roof condition?
No. A permit record can help document work history. It does not replace observations of the accessible roof at the visit or guarantee insurer acceptance. Share the record and the insurer’s request with us.
What if the insurer asks for repairs after the report?
Send the actual request so we can discuss inspection follow-up. The appropriate contractor evaluates repair work and cost; the insurer determines the documentation it needs and whether it offers coverage.
More about this inspection
- Does a homebuyer need a 4 Point Inspection?
Understand when an insurer may request this separate report.
- What happens when a 4 Point report notes an issue?
Prepare questions about documentation and any requested follow-up.
YOUR NEXT STEP
Arrange your Orlando inspection
Choose the inspection that supports your next step. Review the quote for your property and appointment details, or talk through your questions with our team.