Four Point Insurance Inspections

With the ever-changing home owners insurance market in Florida, most homes over 20 years old will need an inspection called the Four (4) Point Insurance Inspection. These are usually needed when the home owner changes insurance companies or their current insurer drops them and cancelled their policy. Additionally a home that is over 50 years old will most likely be put in the insurance pool called Citizens Insurance and will need a Citizens Insurance Inspection that is similar to the 4 Point Inspection, except that it must be completed by an ASHI certifed inspector, a NACHI certified inspector or equivalent.

               1. Roof
               2. Electrical 
               3. HVAC (Heat, Ventilation & Air Conditioning) 
               4. Plumbing

Click for a Sample 4 Point Inspection Report

Insurance Companies are expecting the condition of the components listed above to be working as intended within the manufacturers specifications. They are looking for the four systems to be in generally good working condition and fulfilling their intended function. If the home is an older home the insurance companies want to see that the systems have been updated.

Please be clear that Waypoint Property Inspection, llc, is not employed by insurance companies, and cannot guarantee any aspect of the four point inspection, including, but not limited to: Insurability, Underwriting, Need for Additional Certification or Inspections Subsequent to the Initial Inspection, Work to be Performed Following the Inspection etc...