State farm 4 point inspection form 2025

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With the turmoil in the California insurance industry, some companies have started to require something new: a 4-Point inspection. They can be required when applying for insurance and sometimes to renew an existing policy.
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.
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.
Its important to note that not all homeowners insurance policies require inspections, and the need for one can vary between insurance companies and policies. If an inspection is required, it is typically conducted by a professional inspector hired by the insurance company or through a third-party inspection service.
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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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.

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