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Upload or schedule
Upload an existing 4-point report, or ask us to help schedule a new inspection with a local inspector. We will reply within 24 hours.
We help homeowners understand 4-point inspection reports and how the findings may affect insurance options. We do not perform inspections and do not guarantee insurance coverage, discounts, or savings. Requirements vary by insurer, policy, and state.
How it works
Three simple steps. Educational review only. No obligation to buy insurance.
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Review of all four systems
A licensed Florida insurance agent reviews the roof, electrical, plumbing, and HVAC sections and notes items an underwriter may ask about.
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A clear summary
You receive a plain-language summary of possible next steps. The review is educational. There is no obligation to buy insurance.
What a 4-point inspection covers
A 4-point inspection is not a full home inspection. It typically reports the age, type, and condition of four major systems.
Roof
- Covering type, approximate age, and remaining useful life
- Overall condition
- Visible damage, leaks, or signs of past leaks
Electrical
- Panel type (breakers or fuses), amperage, and age
- Wiring type, including knob-and-tube, cloth, or aluminum branch wiring
- Hazards such as exposed wiring, double taps, or scorching
Plumbing
- Piping type and age, and whether the home was re-piped
- Water heater location and pressure relief valve
- Active or prior leaks at fixtures and appliances
HVAC
- System type, age, and date of last service
- Whether heating and cooling appear to be in working order
- Signs of blockage or leaks at the drain line or pan
Plain-language summary of the systems described on the Citizens Property Insurance Corporation 4-Point Inspection Form and in the Florida Insurance Consumer Advocate's Four Point Inspection Guide, reviewed November 2026. Insurer forms differ, and this is not a complete checklist.
Why insurers ask for a 4-point
Insurers may use a 4-point inspection to review the condition of an older home's major systems before they write or renew a policy. It is not a warranty and is not a substitute for a full home inspection.
Requirements usually come from the insurer, not from one national rule. In Florida, for example, Citizens Property Insurance Corporation currently requires a four-point inspection for property owner, dwelling, and mobile home applications on properties more than 20 years old. Citizens also states that the report generally must be dated within the last 12 months before a new-business application, and that serious hazards or deficiencies, such as exposed wiring or active leaks, should be repaired before an application is submitted.
In other states, and with other Florida insurers, whether you need a 4-point inspection, and at what home age, depends on the company and the policy. Ask your insurer or agent what applies to your home.
Sources: Citizens, "Inspections" public page; Citizens support articles "When is a four-point inspection needed?" and "What is the acceptable age of a four-point inspection report?"; Florida Insurance Consumer Advocate, Four Point Inspection Guide. All reviewed November 2026. Requirements can change.
Items that often draw questions
- Older roof with limited remaining life
- Fuse panel or older wiring types
- Active leaks or signs of past water damage
- Missing details such as system ages or photos
Reviews for homeowners in all 50 states
Send us a 4-point or similar condition report from anywhere in the country. Forms and requirements vary by insurer, and we explain yours.
- ALAlabama
- AKAlaska
- AZArizona
- ARArkansas
- CACalifornia
- COColorado
- CTConnecticut
- DEDelaware
- FLFlorida
- GAGeorgia
- HIHawaii
- IDIdaho
- ILIllinois
- INIndiana
- IAIowa
- KSKansas
- KYKentucky
- LALouisiana
- MEMaine
- MDMaryland
- MAMassachusetts
- MIMichigan
- MNMinnesota
- MSMississippi
- MOMissouri
- MTMontana
- NENebraska
- NVNevada
- NHNew Hampshire
- NJNew Jersey
- NMNew Mexico
- NYNew York
- NCNorth Carolina
- NDNorth Dakota
- OHOhio
- OKOklahoma
- OROregon
- PAPennsylvania
- RIRhode Island
- SCSouth Carolina
- SDSouth Dakota
- TNTennessee
- TXTexas
- UTUtah
- VTVermont
- VAVirginia
- WAWashington
- WVWest Virginia
- WIWisconsin
- WYWyoming
Already have a 4-point inspection?
Upload your report and receive a complimentary review. We will reply within 24 hours.
- What the report says about the four systems
- Items an underwriter may ask about
- Questions you may want to take to your insurer, agent, or a licensed contractor
- Whether comparing insurance options may be worth discussing
Realtor and loan officer partners
Need a 4-point inspection scheduled quickly for a client? We work with realtors, mortgage loan officers, property managers, homebuyers, and homeowners. We can help coordinate the inspection process, and in most cases we can connect you with an inspector within 24 hours.
About
4point-inspections.com is a 4-point inspection review service. We are an insurance inspection review platform, not an inspection company.
Reviews are educational and complimentary. Insurance quotations, if requested, are handled separately by a licensed Florida insurance agent.
Fort Lauderdale, Florida. Call Now. Licensed Florida Agent #W286480.
FAQ
How much does the inspection review cost?
Nothing. Our inspection review service is completely complimentary.
Do I need to buy insurance from you?
No. There is absolutely no obligation.
Can I upload a 4-point inspection I already have?
Yes. Upload your report and we will review it. We will reply within 24 hours.
How quickly can I schedule an inspection?
In most cases, we can connect you with an inspector within 24 hours.
Do you perform the inspections yourselves?
No. We may refer homeowners to independent third-party inspection companies. Inspectors operate independently and are solely responsible for the inspection services they provide.
Is a 4-point the same as a full home inspection?
No. A 4-point focuses on the roof, electrical, plumbing, and HVAC systems so an insurer can review insurability. A full home inspection usually looks at much more of the home. The Florida Insurance Consumer Advocate's Four Point Inspection Guide makes this distinction.
Does my state require a 4-point inspection?
Requirements usually come from your insurer, not from one national rule, and they vary. In Florida, Citizens currently requires a four-point inspection for certain applications on homes more than 20 years old. Ask your insurer or agent whether one is needed for your home.
Sources
Insurance claims on this site are hedged and based on the official sources below, reviewed November 2026. Requirements can change and vary by insurer, policy, and state.
- Citizens Property Insurance Corporation, "Inspections" public page. citizensfla.com/web/public/inspections. Citizens currently requires a four-point inspection for property owner, dwelling, and mobile home applications on properties more than 20 years old, covering electrical, plumbing, HVAC, and roof.
- Citizens Property Insurance Corporation, 4-Point Inspection Form. Citizens 4-Point Inspection Form (PDF). Describes the four systems and the kinds of details underwriters review. The form also states that the information is used to determine insurability and is not a warranty.
- Citizens support, "When is a four-point inspection needed?" Answer ID 1394.
- Citizens support, "What is the acceptable age of a four-point inspection report?" Answer ID 3251. Updated May 20, 2026. The report generally must be dated within the last 12 months before a new-business application, with listed exceptions.
- Florida Department of Financial Services, Insurance Consumer Advocate, "Four Point Inspection Guide" (PDF). myfloridacfo.com Four Point Inspection Guide. Describes the four systems, notes that a 4-point is not a comprehensive home inspection, and explains that insurer criteria can vary.
We did not find a statewide Florida Office of Insurance Regulation rule that itself requires a 4-point inspection for all homeowners policies. The examples above are insurer or consumer-advocate materials, not a universal legal requirement.
Important disclaimers
Educational review only
The complimentary inspection review is provided for informational and educational purposes only. We do not perform home inspections, engineering evaluations, roofing assessments, or building code compliance reviews. Inspection findings, recommendations, and conclusions are provided solely by the licensed inspector who completed the inspection.
Insurance review
Our complimentary inspection review is intended to help homeowners better understand how certain inspection findings may impact property insurance eligibility, underwriting, and available discounts. The review does not guarantee insurance coverage, acceptance by any insurance carrier, eligibility for discounts, premium savings, or policy issuance. Final underwriting decisions are made exclusively by the insurance carrier.
Inspection providers
We may refer homeowners to independent third-party inspection companies for 4-point inspections. We do not own, operate, supervise, or control inspection companies and are not responsible for the accuracy, conclusions, scheduling, performance, or services provided by any third-party inspector. Consumers are encouraged to independently evaluate and select their preferred inspection provider.
No professional engineering advice
Information provided through this website should not be considered engineering, legal, tax, financial, roofing, construction, or professional inspection advice. For specific recommendations regarding your property, consult the appropriate licensed professional.
Insurance savings
Any discussion regarding potential insurance discounts or premium savings is based on general insurance guidelines and available information at the time of review. Actual discounts, rates, premiums, coverages, and eligibility vary by carrier and are subject to underwriting review. Past savings or estimated savings do not guarantee future results.
Insurance quotes
Insurance quotations, if requested, are subject to carrier underwriting guidelines, inspection requirements, eligibility criteria, policy terms, conditions, exclusions, limitations, and availability. Coverage cannot be bound, altered, or amended through this website.
Affiliate and referral disclosure
We may receive compensation, referral fees, marketing fees, or commissions from insurance policies placed through licensed insurance agencies and from certain inspection service providers. This compensation does not increase the cost of your inspection review.
Already have a 4-point report, or need one scheduled?
Upload your report for a complimentary review, or ask us to help schedule an inspection. We will reply within 24 hours.