What Is a 4-Point Inspection and Why Does It Matter?
Updated: July 14, 2025
A 4-Point Inspection is a specialized type of home inspection required by many Florida insurance companies, especially for homes over 20 years old. Unlike full inspections, this report focuses on four key systems: roof, plumbing, electrical, and HVAC.
If you’re purchasing an older home, renewing insurance, or switching providers, chances are your insurer will require it in Miami FL. And without it, you may face denial or higher premiums.
The 4 Components of a 4-Point Inspection
Here’s what a certified Miami FL home inspector evaluates as part of a standard 4-point home inspection.
1. Roof
- Age, condition, and estimated life expectancy
- Any visible damage, leaks, or patchwork repairs
- Type of roofing material and installation quality
2. Plumbing System
- Type of pipes (copper, PEX, galvanized, etc.)
- Signs of leaks, corrosion, or outdated materials
- Functional water heater and main shut-off location
3. Electrical System
- Type of wiring (aluminum, copper, knob-and-tube)
- Age and capacity of electrical panel
- Proper grounding and presence of GFCIs
4. HVAC (Heating, Ventilation, and Air Conditioning)
- Age and condition of units
- Visible damage or rust
- Proper functioning and safe installation
Insurers use this report to evaluate risk—and you use it to keep premiums reasonable.
Why Miami FL Homeowners Need This Inspection
Living in Miami FL, you’re no stranger to aging homes, tropical storms, and rising insurance rates. A home inspection in Miami FL that’s tailored to insurer requirements could be your ticket to lower costs and greater peace of mind.
When to Get a 4 Point Inspection
- Buying an older home (typically 20+ years old)
- Renewing your homeowners policy
- Switching insurance carriers
- Requested by your insurer for continued coverage
Unlike a standard buyer’s inspection, it is focused only on what insurers care about—not cosmetic flaws or general maintenance.
Real-World Example
Carlos in Little Havana was quoted nearly $7,000/year in home insurance. But after getting an inspection showing updated plumbing and a new roof, his revised premium dropped by 40%.
What You’ll Receive
After your 4-Point Inspection in Miami FL, you’ll get:
- A detailed report with photos of all 4 systems
- Comments on condition and any risks
- Documentation to submit directly to your insurer
- Fast turnaround (typically within 24 hours)
FAQs:
What is a 4-point inspection?
A 4-point inspection evaluates the roof, electrical, plumbing, and HVAC systems of your home to meet insurance requirements.
Who needs a 4-point inspection in Miami FL?
Homeowners with properties 20 years or older, especially those seeking insurance or switching carriers, often need one.
How long does the inspection take?
Most 4 point inspections take 45 minutes to 1.5 hours, depending on access and condition.
Can I get homeowners insurance without one?
In Florida, most insurers require a 4 point inspection for older homes before binding or renewing a policy.
