The roof, electrical, plumbing, and HVAC report many Florida insurers require before writing or renewing a policy on an older home.
A four-point inspection is a focused review of four major systems: the roof, electrical, plumbing, and heating and air conditioning. Many Florida insurance companies require one for older homes before they'll write or renew a policy.
The report documents the age, type, and condition of each system with photos, in the format insurers expect. It's not a full home inspection, so buyers should still get a pre-purchase inspection.
Each system is documented for age, type, and condition.
Covering type, age, condition, and visible damage.
Panel, wiring type, and visible hazards.
Supply and drain materials, fixtures, and water heater.
System type, age, and operating condition.
These four systems account for many homeowners insurance claims. Insurers look closely at items like aging roofs, certain older electrical panels and wiring types, older plumbing materials, and worn-out HVAC equipment.
Requirements vary by insurer, so ask your agent exactly what's needed. If something is flagged, the report helps you plan repairs and get coverage in place, often in time for closing.
Clear documentation of each system for your insurer.
Usually your insurance company, most often for older homes. Ask your agent what they need.
No. It's limited to four systems. Buyers should still get a full inspection.
Yes. Florida buyers often order both at the same visit.
The report documents the condition so you can plan repairs and work with your insurer.
From your first call to your report, here's what to expect.
Call 813-476-1561 or schedule online. Clay will answer your questions up front.
Your inspector evaluates the property. You're welcome to walk along.
You receive a detailed report with photos, typically the same day.
Questions after the report? Call anytime and the team will walk you through it.
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