Insurance Inspection
4-Point Home Inspections in The Villages & Central Florida
Many Florida insurance companies require a 4-point inspection before issuing or renewing a homeowners insurance policy — especially for homes over 20 years old. We provide fast, accurate 4-point inspections with same-day reports.
What Is a 4-Point Inspection?
A 4-point inspection is a limited inspection that focuses on the four major systems of a home: the roof, electrical system, plumbing system, and HVAC (heating, ventilation, and air conditioning). Unlike a full home inspection, it is specifically designed to satisfy the requirements of Florida homeowners insurance carriers.
Insurance companies use the 4-point inspection to assess the risk of insuring an older home. If any of the four systems are found to be in poor condition, outdated, or a known safety hazard, the insurer may require repairs before issuing a policy — or may decline coverage altogether.
In Florida, most insurance carriers require a 4-point inspection for homes that are 20–30 years old or older. Some carriers require them on homes as young as 10 years old. It is one of the most commonly requested inspections in the state.
Home buyers
Required by many lenders and insurance carriers before closing on an older home.
Existing homeowners
Required at policy renewal for homes that have reached the age threshold of your carrier.
Homes 20+ years old
Most Florida insurers require a 4-point for any home 20 years old or older.
Switching insurance carriers
A new insurer will almost always require a current 4-point inspection before issuing a policy.
The Four Systems We Inspect
Each system is evaluated for age, condition, and any visible deficiencies that could affect insurability.
Roof
- •Type and material of roof covering (shingles, tile, metal, flat)
- •Approximate age of the roof covering
- •Estimated remaining useful life
- •Visible condition — missing shingles, damage, sagging, or leaks
- •Evidence of repairs or patches
Electrical
- •Type of wiring (copper, aluminum, knob-and-tube)
- •Main electrical panel brand, condition, and amperage
- •Presence of double-tapped breakers or other deficiencies
- •GFCI protection in required areas
- •Any visible safety hazards
Plumbing
- •Type of supply piping (copper, CPVC, PVC, polybutylene)
- •Type of drain lines (cast iron, PVC, galvanized)
- •Water heater age, condition, and safety features
- •Visible leaks or signs of prior water damage
- •Functional flow and drainage
HVAC
- •Type and age of heating and cooling equipment
- •Operational status of the system
- •Condition of ductwork and air handler
- •Presence of safety features (overflow shutoffs, etc.)
- •Estimated remaining useful life
What to Expect
Our 4-point inspections are fast, thorough, and designed to get you what you need quickly.
Schedule a Convenient Time
Call us to book. We offer flexible scheduling including evenings and weekends. Most 4-point inspections take 45–60 minutes.
On-Site Inspection
Mike personally inspects all four systems, takes photos, and documents findings on the standard Citizens/OIR form accepted by all Florida carriers.
Same-Day Report Delivery
You receive your completed 4-point inspection report the same day — ready to submit directly to your insurance company.
Frequently Asked Questions
Need a 4-Point Inspection?
Serving The Villages, Oxford, Lady Lake, Ocala, Wildwood, Dunnellon, Marion County, and Sumter County.