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4-Point Inspection in Florida: What It Is & Why Insurance Companies Require It

February 10, 20265 min read

What Is a 4-Point Inspection?


A 4-point inspection is a focused evaluation of four critical home systems. Unlike a full home inspection, it specifically assesses:


  • Roofing — Age, material, condition, and remaining useful life
  • Electrical — Panel type, wiring, capacity, and safety
  • Plumbing — Pipe material, water heater age, and supply/drain condition
  • HVAC — System type, age, and operational status

    • Why Do Insurance Companies Require It?


    Florida insurance companies use 4-point inspections to assess risk before issuing or renewing homeowner's insurance policies. Older homes may have outdated systems that increase the likelihood of claims.


    How to Prepare


  • Make sure all systems are accessible
  • Have maintenance records available if possible
  • Address any known issues beforehand

    • Get Your 4-Point Inspection Scheduled


    Simplispect offers fast, affordable 4-point inspections across Central Florida. Most reports are delivered within 24 hours. Call us at (407) 908-3845 or schedule online.

    Frequently Asked Questions

    What is a 4-point inspection in Florida?

    A 4-point inspection evaluates four major home systems: roofing, electrical, plumbing, and HVAC. It's required by many Florida insurance companies for older homes.

    How much does a 4-point inspection cost in Florida?

    A 4-point inspection typically costs between $75 and $150 in Central Florida.

    How old does a home have to be for a 4-point inspection?

    Most Florida insurance companies require a 4-point inspection for homes that are 20 years or older.

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