A 4-POINT INSPECTION IS OFTEN REQUIRED WHEN OBTAINING
OR RENEWING A HOMEOWNERS INSURANCE POLICY.

After Hurricane Andrew, insurance companies in Florida have been trying to encourage home owners to make their homes safer and reduce claims. Many insurance companies and JUA (Joint Underwriting Association), now Citizens, request 4 Point Inspections, which often include, but are not limited to:

ROOF CONDITION
The inspector is reporting on the type, condition & construction of your roof. The inspector is looking for leaks, roof covering damage, missing sheathing & the condition of your roof decking and trusses.



ELECTRICAL SYSTEMS
The inspector is reporting on the type and condition of your electrical system. The inspector is looking for aluminum branch circuits, GFCI’s, AFCI’s, loose/frayed wiring, active knob & tube wiring and any recent upgrades



HEATING/AC VENTILATION
The inspector is reporting on the ages, types, & condition of your heating and A/C units. The inspector is looking at the overall condition of these systems and reporting on any upgrades to the systems.

PLUMBING
The inspector is reporting on the overall condition of your plumbing system, the main and fixture and supply line material, in addition to the type and age of your H2O heater. The inspector is looking for leaks, polybutylene, shut off and TPR valves & any recent upgrades.


WHAT ARE THEY LOOKING FOR IN THESE REPORTS?
It has been our experience that insurance companies are generally looking for the systems inspected during a 4 Point Inspection to be in good working condition and updated when necessary. These systems should not pose any additional risk due to safety hazards, unsafe conditions or deferred maintenance, and they should be up to the latest code. Example: leaks, unsafe or exposed electrical wiring, or outdated or overloaded electrical panels.
 
WHO CAN PERFORM A 4 POINT INSPECTION?
Most insurance companies require a licensed electrician, a general building or residential contractor, a roofing contractor or a certified inspector to complete the 4 Point Inspection and certify the report. We guarantee that your report will be accepted by your insurance carrier.
 
CAN I AVOID A 4 POINT INSPECTION IF MY INSURANCE COMPANY HAS REQUESTED ONE?
It is often difficult to maintain coverage or acquire new insurance when a request for a 4 Point Inspection is ignored.
 
Note: this type of insurance inspection should not be confused with a "standard home inspection" which is broader in scope in regards to detail and the areas of the home which are covered. Your 4 point inspection is not valid after 90 days. It is not a full home inspection. The scope of the report is limited and based on physical & visual proof of your homes systems. System ages are approximate as area the life expectancies and may vary. This report offers no warranty or guaranty.
 
FAST & AFFORDABLE. $90. INSPECTION FEE
IN MANY CASES, WE CAN INSPECT YOUR HOUSE WITHIN 24 - 48 HOURS. THE COST IS $90,
THE FEE CAN BE PAID WITH A CREDIT CARD OR A THE TIME OF INSPECTION BY CASH OR CHECK.
ASK HOW TO REDUCE YOUR HOMEOWNERS PREMIUMS BY AS MUCH AS 45%.