Citizens revised 4-Point Form - Magnum Inspections Inc. 2025

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Four-Point Home Inspections vs. Comprehensive Home Inspections 4-Point Home InspectionsFull Home Inspections How Long It Takes Usually takes under an hour depending on the size of the home Can take 3 to 6 hours depending on the size of the home Average Cost $50 to $150 $400 to $6002 more rows Sep 20, 2023
Citizens requires a four-point inspection for all property owner, dwelling and mobile home applications for properties more than 20 years old.
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.
4-Point Inspections The typical 4-point inspection cost is around $125 dollars for our service areas. These inspections are usually conducted at the request of the insurance provider for homes more than 30 years old, although each company has their own criteria.
When you own or purchase an older home, rental property, or condo in Florida, you will likely need for a 4 point inspection before purchasing a homeowners policy. Most insurance companies will require a 4 point inspection when a home is older than 40 years, or a rental property is older than 30 years.
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Typically, insurance companies in Florida require a home inspection to assess the risk of insuring the property, particularly if the home is older or in areas prone to hurricane damage. That said, its possible to obtain coverage without an inspection, but this often comes with certain trade-offs.
The age of your home, your claim history, the type of policy youre purchasing, and even your choice of insurance company will all affect whether a 4 point inspection is required. For example, if you are purchasing a new construction home that conforms to current building codes, an inspection may not be necessary.

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