4-Point Inspection in Florida
The 4-point inspection insurers ask for on older homes: what it covers, who may sign it, and licensed home inspectors near you. Free to request.
Request a 4-point inspection from licensed home inspectors
Three quick steps, free and no obligation. Requests go to licensed local pros, and at most 3 get your details. Up to 3 local pros will contact you. Companies cannot pay to rank.
- License checked against Florida state records
- You confirm your email
- At most 3 pros get your details
A 4-point inspection reports the age, type and condition of four systems: the roof, electrical, plumbing and heating and cooling (HVAC). Insurers use it to decide whether to write or renew a policy on an older home.
When it is required
Citizens Property Insurance requires a 4-point inspection for homeowner, dwelling and mobile home applications on properties more than 20 years old. Other insurers set their own rules, so ask your agent which form and age limit apply to you. Source: Citizens Property Insurance: Inspections.
What the inspector checks
- Roof covering, age and visible condition, with photos
- Electrical panel, wiring type and hazards such as exposed wiring
- Plumbing supply and drain types, water heater and any active or past leaks
- HVAC system age and condition
Citizens asks that serious hazards or deficiencies be repaired before you apply.
Who may sign it
A verifiable Florida licensed home inspector, general, building or residential contractor, or building code inspector. Citizens also accepts a Florida licensed architect, engineer or building code official. A trade specific pro, such as an electrician, may sign only the section for that trade. Source: Citizens: who can sign the 4-point form.
Licensed home inspectors by city
Top 3 per city by Rank Score, from Florida license records. No company can pay to rank higher. How scores work
Miami 536 licensed
All home inspectors in MiamiOrlando 231 licensed
All home inspectors in OrlandoJacksonville 232 licensed
All home inspectors in JacksonvilleFort Myers 105 licensed
All home inspectors in Fort MyersSarasota 114 licensed
All home inspectors in SarasotaBradenton 82 licensed
All home inspectors in BradentonCommon questions
What does a 4-point inspection cover?
The roof, electrical, plumbing and heating and cooling systems: their age, type and condition, with photos.
When does Citizens require a 4-point inspection?
Citizens Property Insurance requires one for homeowner, dwelling and mobile home applications on properties more than 20 years old. Other insurers set their own rules.
Who can sign a 4-point inspection form in Florida?
Citizens accepts a verifiable Florida licensed home inspector, general, building or residential contractor, or building code inspector, and also licensed architects, engineers and building code officials. Trade specific pros may sign only their own section.
Can a 4-point inspection replace a roof certification?
Citizens says its 4-point form may be accepted in place of the roof condition form when it includes roof photos. Ask your insurer before you book.
Homeowner guides
Related inspections
General information for Florida homeowners, not insurance advice. Insurer rules change, so confirm with your agent. Florida Home Network does not perform inspections.