What is a 4 Point Inspection?
A 4 Point inspection in Florida is an inspection that looks at 4 major systems (Roof, Plumbing, Electrical, and HVAC) in an older home. These inspections are performed by a licensed inspector such as a home inspector from Dynamic Home Inspections or a building contractor.
Below is what a 4 point inspection looks like:
Roof – The type of roof covering the home has (i.e. shingles, tile, or rolled) The condition and age of the roof. Are the missing shingles, tiles, or leaks?
Electrical System – The type of wiring the home has (copper, aluminum, cloth, or knob and tube). The brand of the electrical panel and the condition of the electrical system. (i.e. ungrounded outlets, double taps in the panel, etc.)
HVAC (Heating and Cooling System) – What type of system is there in the home, does it have central heat and air in the home? The age and condition of the system and if there are any leaks from condensation lines that run throughout the home.
Plumbing System – The type of supply and drain lines found in the home (copper, CPVC, galvanized, lead, polybutylene, etc) and their condition and age.
The most widely accepted form is the Citizens Insurance form which they require the inspector to use. There are other insurance companies that accept a similar form. Confirm with your insurance agent if there is a specific form that needs to be submitted to save time and money. Knowing if there is a specific 4 Point form that needs to be used can help when selecting your inspector. Dynamic Home Inspections uses the Citizens form as it is widely accepted throughout the state of Florida.
Does a 4 Point Inspection help lower your insurance?
No, it does not. If your home fails or pass the 4 point inspection it will not change the cost of the homeowner’s insurance. The 4 point inspection is used simply to determine whether the insurance company will insure the older home.
Can you get insurance coverage if your home does not pass a 4 point inspection?
The requirements for coverage varies between insurance companies, be sure to inform your insurance agent of the issues or components that your home has so that you can receive an accurate quote. Some insurance companies may do partial coverage and excluded the problematic item in the home. The best resource here will be your insurance agent. If your home has not been updated and has any of the problematic items then you can expect to pay more for your insurance or have a difficult time getting coverage.