If your Florida home is roughly 30 years or older, your carrier will almost certainly require a 4-Point inspection before they’ll write — or renew — your policy. We document the four systems underwriters care about, on the form they accept, with the photos they expect.
No carrier wants to insure an older home blind. The 4-Point is a focused report on the four systems most likely to fail and trigger an expensive claim: roof, electrical, plumbing, and HVAC. It tells the underwriter, in their own language, that the home is insurable and that those systems have serviceable life left.
It is deliberately narrow. A 4-Point is written for your insurer; a full home inspection is written for you. If you’re buying an older home, you’ll often want both — and we can complete them in a single visit.
Most Florida carriers — including Citizens — ask for a 4-Point on homes around 30+ years old (some at 25, some at 40) at new-policy binding and frequently at renewal.
If a lender is involved, your financing can hinge on the policy the 4-Point unlocks.
Not sure where your home falls? Send us the address and we’ll tell you.
Each point is documented the way an underwriter reads it — condition, age, remaining life, and any hazard that would change their answer.
We document the covering type, its age, and its remaining service life — then note any visible damage, prior repairs, or active leaks. Carriers set a minimum remaining-life threshold (often 3–5 years for shingle, more for metal or tile). A roof near the end of its life is the most common reason an underwriter declines or surcharges an older home.
We record the panel brand and amperage, the branch wiring type, and any safety hazards. Certain equipment is an automatic red flag to underwriters — Federal Pacific, Zinsco, and Challenger panels, aluminum branch wiring, and knob-and-tube — because of their documented fire history.
We identify the supply and drain materials, the water heater’s type, age, and condition, and any active leaks or corrosion. Polybutylene supply lines and aging galvanized pipe are frequent declines because of their failure and leak history.
We document the system type and age and confirm that heating and cooling actually function, noting any visible deficiencies. An aging or non-operational system draws underwriter scrutiny, especially on a policy they’re asked to write for the long term.
We photograph and record each of the four systems — covering, panel, plumbing, and HVAC — capturing the exact details underwriters require.
Your results are entered on the standard / Citizens-accepted 4-Point form, with date-stamped photos attached, so it’s ready to submit to any carrier.
If something is likely to give an underwriter pause — an aged roof, an FPE panel, polybutylene supply — we tell you clearly, so you can decide how to handle it before binding.
Buying an older home? You likely need both — and we’ll do them in one appointment, with a report for your insurer and a report for you.
Flat pricing you see before you book. Larger and older homes add a small amount on top; we confirm the exact figure before your appointment. Thermal imaging is included on every full inspection we do.
Standalone 4-Point for homes up to 2,500 sq ft. See full pricing.
One inspector, one direct line, fast turnaround. Book your 4-Point — or bundle it with your home inspection in a single visit.
