What is the difference between an insurance inspection and a 4-point?

A 4-point inspection follows a specific format evaluating four systems. An insurance inspection may vary in scope depending on the carrier's requirements. Some carriers accept a 4-point, while others require their own specific inspection format. Your insurance agent can clarify what is needed.

Who requests the insurance inspection?

Typically your insurance agent or the carrier will notify you that an inspection is required. They may specify a particular inspection type or form. Contact us with the details and we will make sure the report meets the carrier's exact requirements.

How quickly can I get the report?

We understand insurance timelines can be tight. Most insurance inspection reports are completed and delivered the same day or within 24 hours. If you have an urgent deadline, let us know when you schedule and we will prioritize your report.

What happens if the insurance inspection finds issues?

If the inspection identifies conditions that concern the carrier, they may require repairs before issuing your policy or may exclude certain coverages. Addressing the issues promptly and providing documentation of repairs usually resolves the situation.

Insurance Inspection

General insurance compliance inspections to meet carrier requirements for new or renewed policies.

Insurance inspections in Florida serve as a carrier's verification of your property's condition and risk profile. Whether you are obtaining a new homeowners policy, renewing an existing one, or switching carriers, your insurer may require a property inspection before finalizing your coverage.

These inspections can range from a quick exterior review to a more detailed evaluation depending on the carrier's requirements. Common items assessed include the roof condition, overall property maintenance, potential hazards, and compliance with safety standards.

Our insurance inspection reports are formatted to satisfy the requirements of major Florida insurance carriers. We work with your agent to determine exactly what documentation is needed and deliver it promptly so your policy timeline stays on track.

What's Included

Every insurance inspection covers the following items.

Exterior property condition assessment
Roof condition and estimated remaining life
Electrical system general condition
Plumbing system general condition
HVAC system general condition
Property hazard identification
Photo documentation per carrier requirements

What to Expect

Here is what to expect when you schedule a insurance 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.

Get a Quote