Meeting Insurance Requirements in Florida
In Florida, insurance companies often require a 4-Point Inspection to issue a new policy or renew an existing one, particularly for homes over 30 years old. This inspection is essential for proving to the insurance underwriter that the home's major systems are in a safe and functional condition, thereby reducing their risk.
What is a 4-Point Inspection?
A 4-Point Inspection is a focused examination of the four most critical systems of a home. It is important to understand that this is not a pre-purchase inspection. It is a specialized tool used solely for insurance purposes, and it reports on the general age, condition, and material type of these specific components.
The Four Points We Examine:
- HVAC (Heating, Ventilation, and Air Conditioning): We document the type, age, and general working condition of your heating and cooling systems to check for any apparent operational issues or safety concerns.
- Electrical System: We inspect the main electrical panel, breakers, and wiring to identify the type of materials used (e.g., copper, aluminum) and note any visible hazards that could pose a fire risk.
- Plumbing System: We identify the type of supply and drain pipes, determine the age and condition of the water heater, and check for any active leaks in visible plumbing fixtures.
- Roof: We assess the type of roof covering (shingles, tile, metal), estimate its approximate age, and document its overall condition and remaining useful life.
Serving Our Enterprise Partners
Florida Strong Home Inspections provides reliable, high-volume 4-Point Inspection services for our professional partners. We offer streamlined ordering and reporting for insurance providers, other inspection companies, and property management groups who need accurate and timely information to manage their portfolios.