What Is a 4-Point Inspection and Why Insurance Companies Require It
If you own a home in Florida, especially one that’s more than 10 years old, you’ve probably heard the term “4-Point Inspection.”
It’s one of the most common insurance requirements, and if you’re shopping for coverage or renewing a policy, your insurance company will likely ask for one before approving your home.
But what exactly does it include, and why is it such a big deal?
Let’s break it down.
What Is a 4-Point Inspection?
A 4-Point Inspection focuses on the four main systems that carry the most risk for insurers:
Roof – age, condition, and type of roofing material
Electrical – wiring type, breaker panels, and overall safety
Plumbing – leaks, pipe material, and water heater age
HVAC (Heating & Cooling) – age, condition, and functionality
It’s not a full home inspection, but a focused check of these key systems to make sure your home isn’t likely to have costly issues soon.
Most insurance carriers use this report to determine whether they can insure your home, or continue insuring it.
Why Insurance Companies Require It
Florida homes face unique conditions: high humidity, heavy rain, and hurricane-level winds.
Insurance carriers want to know that your home’s major systems are safe, updated, and well-maintained before they take on the risk.
Here’s what they’re really looking for:
Roof: Is it watertight and in good condition?
Electrical: Is there a potential fire risk (like outdated wiring or fuse boxes)?
Plumbing: Could leaks or old pipes lead to water damage?
HVAC: Is it functional and properly installed?
If all four areas are in good shape, you’re more likely to qualify for coverage, and sometimes even better rates.
Who Needs a 4-Point Inspection
You may need a 4-Point Inspection in several situations, especially if your home is older or undergoing updates.
Typically, it’s required if:
Your home is over 10 years old
You’ve made changes to your roof, plumbing, HVAC, or electrical systems
You’ve replaced your water heater or upgraded your central heating and air
You’re changing insurance companies or shopping for a better rate
You’re buying a home, and the insurer requests it before binding coverage
Or, in less common cases, if you’ve updated your wiring (i.e. from aluminum to copper)
Even if your insurance company hasn’t requested one yet, having an up-to-date 4-Point report on hand can make future renewals or coverage changes much smoother.
What Happens After the Inspection
Once your inspection is complete, you’ll receive a detailed report (and photos) showing the condition of each system.
From there, your insurance agent will submit it to the carrier.
If something needs updating, like an old water heater or worn roof, we will note it so you can make repairs and re-submit when ready.
Having a clean 4-Point report can help:
Speed up your approval process
Avoid coverage delays or cancellations
Reduce your insurance costs if the home is in great shape
Pro Tip: Keep Your Report Current
If it’s been a few years since your last 4-Point Inspection, it’s worth scheduling another one, especially after upgrades.
Typically, your 4-Point report is considered valid for about one year, but most insurance carriers won’t require a new one that quickly. However, you’ll want to get a fresh inspection if:
You’ve made updates to your roof, plumbing, HVAC, or electrical systems
Your insurance carrier goes out of business or drops your policy
You’re shopping around for better rates or switching companies
Having an up-to-date report makes the process smoother, helps prevent coverage delays, and can even improve your chances of securing a lower premium.
Final Thoughts
A 4-Point Inspection might sound like “just another step,” but it’s really about protecting your home and your investment.
It ensures your insurance company has an accurate snapshot of your home’s condition, and helps you stay covered with confidence.
If you’re in Pensacola or the Gulf Coast area, and your insurance company just requested a 4-Point Inspection, we can help.
Our certified inspector, Taylor, provides clear reports with quick turnaround times to help you get the coverage you need, without the stress.
