4 point inspection form 2025

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A 4-point inspection gives a homeowners insurance company insight into the current condition of a house through an in-depth examination and evaluation of its four major systems: roofing, electrical, plumbing and HVAC.
The Florida-licensed inspector is required to certify the condition of the roof, electrical, HVAC and plumbing systems. Acceptable Condition means that each system is working as intended and there are no visible hazards or deficiencies.
What is 4-point inspection? The 4-Point System assigns 1, 2, 3 and 4 penalty points ing to the size, quality, and significance of the defect. No more than 4 penalty points are assigned for any single flaw. A defect can be measured either in length or width direction; the system remains the same.
These include the roofing, electrical, plumbing, and HVAC (Heating, Ventilation, and Air Conditioning) systems. These types of inspections are usually ordered by homeowners insurance companies to evaluate their risk before issuing a homeowners insurance policy.
A four-point home inspection checklist usually covers the four primary systems of your home; these include roofing structure, plumbing, HVAC, and electrical. This checklist requires enlisting all the components that form a part of the major systems of a home in order to provide a comprehensive property report.
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