4-Point
Inspection
Required by most Florida insurance carriers for homes 25 years and older. Our certified inspectors assess all four critical systems and deliver a insurance company approved report within 24-48 hours.
What Is a 4-Point Inspection?
A 4-point inspection is a focused assessment of the four most critical systems in your home: the roof, electrical, plumbing, and HVAC. Florida insurance carriers require this inspection for homes that are 25 years or older before issuing or renewing a homeowners policy.
Unlike a full home inspection, which covers hundreds of items, a 4-point inspection is specifically designed to give insurers a snapshot of your home's major systems. Our reports are formatted to meet common insurance underwriting requirements.
Our reports are formatted to meet common insurance underwriting requirements and are accepted by Florida insurance carriers.
What We Inspect
Each system is evaluated for age, condition, and insurability. Our report documents findings with photos and clear descriptions.
Roof System
Age, type, condition, and visible damage. Florida's intense sun and storm activity make roof condition the top factor in insurance decisions.
Shingles, tiles, metal, flat roofs -- we document material, age, and any signs of leaks, missing sections, or deterioration.
Electrical System
Wiring, panels, circuit breakers, and safety compliance. Outdated or hazardous components are common in older Florida homes.
We flag aluminum wiring, Federal Pacific panels, double-tapped breakers, and any code violations that affect insurability.
Plumbing System
Supply lines, drains, water heaters, and visible leaks. Polybutylene and galvanized pipes are major red flags for Florida insurers.
We identify pipe material, water heater age, active leaks, and drainage issues that could lead to denied coverage.
HVAC System
Heating, cooling, and ventilation equipment age, condition, and operational efficiency -- critical in Florida's humid climate.
We document unit age, last service date, and any visible deficiencies that could affect your insurance application.
Do You Need a 4-Point Inspection?
Most Florida insurance carriers require a 4-point inspection for any home that is 25 years or older. If your home was built before 2000, there is a very high chance your carrier will ask for one before issuing or renewing your policy.
Even if your carrier does not require it, getting a 4-point inspection before listing your home for sale or before a policy renewal can help you identify and fix issues before they become deal-breakers.
Our 4-Step Process
Fast, professional, and designed to meet your carrier's timeline.
Book Online or by Phone
Schedule in minutes at (305) 429-0373 or online. We serve all of Florida with flexible scheduling including weekends.
On-Site Inspection
A licensed Florida inspector examines all four systems in 1-2 hours. No need to be present, but you are welcome to attend.
Detailed Written Report
You receive a comprehensive insurance company approved report within 24-48 hours, documenting the age and condition of each system.
Submit to Your Carrier
Send the report to your insurance company. Most carriers process it within a few business days for policy decisions.
Florida Homeowners Trust JAX
"My insurance company required a 4-point inspection before renewing my policy. JAX came out the next day and I had the report within 24 hours. Saved my policy renewal."
"The inspector was thorough and explained everything clearly. Found an issue with my electrical panel that I was able to fix before it became a bigger problem."
"I was buying a 1978 home and needed a 4-point inspection fast. JAX delivered a complete report in 24 hours. The whole process was seamless."
Frequently Asked Questions
Get Your 4-Point Inspection
Report in 24-48 Hours
Accepted by all major Florida carriers. Schedule today and receive your report fast.
Licensed and insured Florida inspectors. Reports accepted by all carriers.