FOUR POINT INSPECTION SOUTH FLORIDA
South Florida Insurance Inspector delivering accurate four point insurance inspection reports. Now serving Palm Beach, Broward, Miami-Dade, Treasure Coast, Hernando, Citrus, Sumter & Pasco County
WEEKEND AND HOLIDAY APPOINTMENTS AVAILABLE
CERTIFIED PROPERTY INSPECTION SPECIALISTS
Serving Palm Beach, Broward, Miami Dade, Treasure Coast,
Hernando, Citrus, Sumter & Pasco County
Better Business Bureau A+ Real Estate Inspection Company. Our management comes with more than 20 years of construction experience. Call now at 561-570-6311.
Four Point Insurance Inspection Services in Florida
Four Point Insurance Inspection Services in Florida
We proudly provide Four Point Inspection services across Florida, with a strong presence in Palm Beach County, Broward County, Miami-Dade County, and surrounding South Florida communities. Our inspectors understand local housing stock, common system risks, and Florida-specific insurance underwriting requirements.
Whether your home is in South Florida, Central Florida, or along the coast, our Four Point Inspections are completed to meet insurer expectations statewide.
A
Four Point Inspection is a limited-scope inspection required by many insurance companies for older homes. At Certified Inspectors, we provide fast, accurate, and insurer-ready
Four Point Insurance Inspections that help homeowners secure or renew coverage with confidence. Our licensed Florida inspectors understand exactly what insurance underwriters look for and deliver reports that meet carrier-specific requirements.
What Is a Four Point Inspection?
A Four Point Inspection evaluates the four major systems insurers consider the highest risk in a home:
• Roof
• Electrical system
• Plumbing system
• HVAC (Heating, Ventilation, and Air Conditioning)
Unlike a full home inspection, a Four Point Inspection focuses strictly on insurability—not real estate condition or code compliance. Insurance companies use this inspection to assess the remaining useful life and overall risk of these systems.
Why Insurance Companies Require a Four Point Inspection
Most Florida insurance carriers require a Four Point Inspection for homes typically 30 years or older, or when system ages are unknown. The goal is to verify that critical systems are safe, functional, and not near failure.
A properly completed Four Point Inspection can:
- Help you obtain new insurance coverage
- Prevent policy non-renewal or cancellation
- Support better underwriting decisions
- Reduce delays during the insurance application process
What We Inspect During a Four Point Inspection?
Roof System
We evaluate the roof covering, visible flashing, penetrations, and overall condition. Insurance companies are primarily concerned with:
- Roof material type
- Approximate age
- Remaining useful life
- Signs of active leaks or major damage
Electrical System
The electrical inspection focuses on safety and fire risk. We document:
- Main service panel type and amperage
- Wiring methods (copper, aluminum, cloth, etc.)
- Presence of double taps or hazardous components
- Grounding and bonding where visible
Plumbing System
The plumbing portion addresses water damage risk. We inspect:
- Supply piping materials
- Drain and waste piping materials
- Visible leaks or corrosion
- Water heater type and age
HVAC System
The HVAC inspection confirms basic functionality and age. We record:
- System type
- Approximate age
- General operating condition
- Visible deficiencies
How a Four Point Inspection Report Is Used
Your Four Point Inspection report is submitted directly to your insurance agent or carrier. The report includes photographs and standardized forms accepted by most Florida insurers.
A clean Four Point Inspection can mean the difference between approval and denial of coverage.
Why Choose Certified Inspectors for Your Four Point Inspection
- Licensed and insured Florida inspectors
- Insurance-compliant Four Point Inspection forms
- Fast turnaround times
- Clear photos and detailed documentation
- Experience with Florida insurance carriers
We know what underwriters look for—and how to avoid unnecessary red flags.
How Long Does a Four Point Inspection Take?
Most Four Point Inspections take 30 to 45 minutes, depending on the size and complexity of the home. Reports are typically delivered within 24 hours.
Common Issues That Can Affect a Four Point Inspection
- Roofs near the end of useful life
- Outdated or hazardous electrical panels
- Polybutylene or galvanized plumbing
- Evidence of active leaks
- Non-functional HVAC systems
We document conditions accurately and objectively—without exaggeration.
Frequently Asked Questions About Four Point Inspections
Is a Four Point Inspection the same as a wind mitigation inspection?
No. A Four Point Inspection evaluates system condition, while a wind mitigation inspection evaluates wind-resistance features.
Can a Four Point Inspection fail?
There is no pass or fail, but deficiencies may lead an insurer to require repairs or deny coverage.
Who needs a Four Point Inspection?
Homeowners seeking insurance on older homes or homes with unknown system ages typically need a Four Point Inspection.
How often is a Four Point Inspection required?
Most insurance companies accept a Four Point Inspection that is less than 12 months old, but requirements vary by carrier.
Schedule Your Four Point Inspection Today
If you need a fast, accurate, and insurance-ready Four Point Inspection, Certified Inspectors is here to help. Our inspections are designed to meet insurer requirements and keep your coverage process moving smoothly.
Related Inspection Services
Many homeowners need multiple insurance-related inspections. We make scheduling easy:
- Home Inspection – Ideal for buyers and sellers who need a full-property evaluation
- Wind Mitigation Inspection – Helps reduce insurance premiums by documenting wind-resistant features
- Roof Certification Inspection – Required by insurers to assess roof system risk
Contact us today to schedule your Four Point Insurance Inspection with confidence.
If you need a fast, accurate, and insurance-ready Four Point Inspection, Certified Inspectors is here to help. Our inspections are designed to meet insurer requirements and keep your coverage process moving smoothly.
Contact us today to schedule your Four Point Insurance Inspection with confidence.
I highly recommend Certified Inspectors. Angelo conducted a four-point inspection and wind mitigation so I could apply for a new home owners insurance policy. He was very professional and thorough. He explained what he was inspecting and what he was looking for. I received the full reports the next day. He definitely earned my business.
Great experience with Certified Inspectors. Very responsive to my needs. Updated my inspection after I re-roofed my house. Thank you for your service. Highly recommend.
WHAT ELSE DO YOU GET FROM YOUR TRUSTED CERTIFIED INSPECTOR?
Licensed and InsuredUnbiased Inspection Reports20+ Years of Construction ExperienceThermal Imaging Inspection IncludedSame Day or After Hour Inspection Report AvailableState of the Art Video and Paperless TechnologyOnline Quote and Scheduling 24/7Price Match Guaranteed200% Satisfaction Guaranteed.INSPECTIONS BY CERTIFIED MASTER INSPECTORS. WE LOOK WHERE OTHERS DON'T LOOK.
Our Management has over 20 years of Construction experience. Our expertise, honesty, and integrity is what sets us apart from the competition.
