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A 4-point inspection is an examination of the current condition of a house or condominium, reviewing four major systems: roofing, electrical, plumbing and HVAC. This specific inspection is requested by homeowners insurance companies before someone can renew or be eligible for their desired coverage plan.
A four point inspection report remains valid for one year after the date of the inspection for submission to an insurance company.
If you own an older home and are up for renewal on your Florida homeowners insurance, or youre purchasing an older home, chances are you will be asked to submit a four-point inspection as part of the underwriting process. This practice is most common in Florida and other coastal states.
In Florida, 4-Point inspections are typically required, especially for insurance in flood zones. With the severe weather we see here in Florida, 4-point Tampa home inspections can be considered pass/fail; if your home doesnt meet the requirements or standards, you will not be approved until repairs have been made.
Who pays for the Four Point Inspection? Insurance companies require a 4-point report. The four-point inspection is normally paid for by the home buyer. Advanced Home Inspection of Florida charges $150.00 for the Four Point Inspection and Report.
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The average cost of a home inspection in Florida is $302, with a typical range of $254-$374. This is for average sized homes. For a very small home, you could pay as little as $124, while a very large home may cost as much as $1,000+ for an inspection.
A 4 point inspection looks at the 4 major systems (Roof, Electrical, Plumbing, HVAC) in an older home. An insurance company wants to know that an older home has been well maintained, and the major systems are in good working condition.
A 4-point inspection is an examination of the current condition of a house or condominium, reviewing four major systems: roofing, electrical, plumbing and HVAC.
How Long Is a Wind Mitigation Inspection Valid? Wind mitigation inspections in Florida are valid for five years.
If you own an older home and are up for renewal on your Florida homeowners insurance, or youre purchasing an older home, chances are you will be asked to submit a four-point inspection as part of the underwriting process. This practice is most common in Florida and other coastal states.

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