When is a 4-point inspection required?

Most Florida insurance carriers require a 4-point inspection for homes that are 20 years old or older. Some carriers set the threshold at 25 or 30 years. Your insurance agent can tell you whether your home requires one for your specific policy.

How long does a 4-point inspection take?

A 4-point inspection typically takes 30 to 60 minutes since it focuses on just four systems. This is much shorter than a comprehensive home inspection and is usually priced accordingly.

Can I combine a 4-point with a wind mitigation?

Yes, and many homeowners do. Scheduling both inspections at the same visit saves you time and may save money compared to booking them separately. We offer a discount when you bundle these two insurance inspections.

What happens if a system fails the 4-point inspection?

If a system is found to be in poor condition, your insurer may require you to make repairs or replacements before issuing a policy. We will clearly document the condition so you know exactly what needs attention and can get quotes from contractors.

How long is a 4-point inspection report valid?

Most insurance carriers accept 4-point inspection reports that are less than 12 months old. Some carriers may have stricter timeframes, so check with your insurance agent for their specific requirements.

4-Point Inspection

Evaluate the four major systems (roof, electrical, plumbing, HVAC) required by Florida insurers.

A 4-point inspection is required by most Florida insurance companies for homes over a certain age, typically 20 to 30 years depending on the carrier. This focused evaluation examines the four major systems that pose the greatest risk: roofing, electrical, plumbing, and HVAC.

Insurance carriers use this inspection to assess the condition and remaining useful life of these critical systems before issuing or renewing a homeowners policy. Homes with outdated or deteriorated systems may face higher premiums, limited coverage, or even denial of coverage until improvements are made.

Our 4-point inspection reports are formatted to meet the requirements of all major Florida insurance carriers. We complete most reports the same day so you can submit them immediately and keep your policy on track.

What's Included

Every 4-point inspection covers the following items.

Roof covering type, age, and condition assessment
Electrical panel type, capacity, and wiring evaluation
Plumbing supply and drain material identification
Water heater age, type, and condition
HVAC system age, type, and operation
Photo documentation of all four systems

What to Expect

Here is what to expect when you schedule a 4-point inspection with Defender Inspections.

Schedule

Book your inspection online or by phone. We offer flexible scheduling to fit your timeline.

Inspect

Our licensed inspectors perform a thorough evaluation of the property using the latest tools and techniques.

Report

Receive a detailed, easy-to-read digital report with photos and findings within 24 hours.

Follow Up

We walk you through the results and answer any questions so you can make confident decisions.

Pricing

Call for a Free Quote

Final pricing depends on the property size, age, location, and specific conditions. Contact us for a quick, no-obligation quote tailored to your property. No hidden fees or surprise charges.

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