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4-Point Inspection
A 4-Point Inspection is a specialized type of home inspection commonly required by insurance companies particularly for older homes or homes with specific risk factors.
There are 4 major areas of a home that must be inspected and reviewed, and the inspector will assess the condition of each of these areas to identify any potential issues or hazards.
Roof:
The inspector examines the age, condition, and type of roofing material. The roof must have 3-5 years of useful life remaining with no visible damage or leaks. In Florida, insurance companies are beginning to require that homeowners replace older roofs, even if a 4-point inspection determines there are 3-5 years of life left.
- Age and condition of the roof
- Signs of damage or wear and tear, such as missing or damaged shingles
- Evidence of leaks or water damage
- Condition of the flashing around chimneys, vents, and other roof penetrations
Plumbing:
This involves checking the condition of the plumbing system, including supply lines, drains, water heaters, and fixtures, to identify any leaks, corrosion, or other issues. Plumbing must be in good working order throughout the home with no visible leaks. All plumbing fixtures are inspected.
- Age and condition of the plumbing system
- Type and condition of pipes and plumbing fixtures
- Evidence of leaks or water damage
- Proper functioning of shut-off valves and other plumbing components
Electrical:
The inspector assesses the electrical system, including the main electrical panel, wiring, outlets, switches, and fixtures, to ensure everything is up to code and in good working order. Inspectors will check all outlets and pop covers to see what’s going on behind the scenes. No single strand aluminum wiring, cloth wiring, open splices, or exposed wiring will pass the inspection.
- Age and condition of the electrical panel
- Type and condition of the wiring and electrical components
- Evidence of outdated or unsafe electrical systems, such as knob-and-tube wiring
- Proper grounding and bonding of electrical systems
HVAC (Heating, Ventilation, and Air Conditioning):
This part of the inspection involves evaluating the age, condition, and functionality of the heating and cooling systems, including the furnace, air conditioning unit, ductwork, and vents. The HVAC system must be properly cooling and heating the home. The date of the last service date, if present, must be noted.
- Age and condition of the HVAC system
- Proper functioning of the heating and cooling systems
- Evidence of leaks or damage to ductwork
- Proper ventilation and airflow throughout the home
About the Four-Point Inspection
The 4-point inspection report includes a detailed report about the condition of each of the four areas of the home, including any issues or hazards that were identified. The report will also include photographs of each area that was inspected and may also include recommendations for repairs or upgrades that may be necessary to ensure the safety and functionality of the home's systems.
The inspector may also ask questions about the history of the home and its systems, such as when they were last updated or replaced.
A 4-point inspection is an important step in obtaining homeowners insurance in Florida and can help identify potential issues or hazards that may need to be addressed before an insurance policy can be issued. While most homes are insurable, for every deficiency noted on the 4-point inspection, insurance rates tend to increase. If the 4-point report notes several deficiencies, you may not be eligible for or able to afford homeowners insurance. A 4-point inspection may also be required if the homeowner is making changes to their insurance policy, such as increasing coverage or changing insurance providers.
Who can perform the inspection:
A 4-point inspection in Florida must be performed by a licensed and certified home inspector or building contractor. The inspector must also be licensed by the Florida Department of Business and Professional Regulation (DBPR) and has an obligation to follow specific guidelines and standards for the inspection.
