The Four Point Insurance Inspection, also know as Insurance Inspection or 4-Point Inspection, was created after Hurricane Andrew struck Florida in 1992.  It is performed for the insurance companies, and typically is a requirement for new homeowners to obtain insurance.  After the bombardment of hurricanes in Florida in 2005, the 4-Point Inspection has taken on added importance.  The benefit to the insurance company is, obviously, reduced loss risk on homeowner's insurance policies.  This is an area of business that has, for many years, been a money loser for insurance companies.  Insurance companies require this Insurance/4-Point Inspection to help determine the level of risk associated in writing a policy on the property.  Several years ago, insurance coverage could be obtained without an Insurance/4-Point Inspection report, but today they have pretty much become mandatory, especially on homes over 50 years old.

The Four Point Insurance Inspection consists of the following four systems:

  • Roof inspection
  • Electrical Inspection
  • HVAC (Heating, Ventilation & Air Conditioning)
  • Plumbing

The insurance companies are looking for the four systems to be in generally good working condition and fulfilling their intended function.  If the home is an older home, the insurance companies want to see that the systems have been updated.

An Insurance/4-Point Inspection is not the same as a Home Inspection.  If you are buying a property, it would be well advised to determine whether or not your insurance company will require this report as a condition of obtaining insurance on the property before you schedule the home inspection.

​We can perform Insurance/4-Point Inspections that help you save money year after year on your insurance premiums.  Every homeowner should take advantage of the benefits of having an Insurance/4-Point Insurance Inspection performed on their home.  Let us help you lower your insurance premiums. Contact us today.

4-point inspection