Question 1

Home Insurance Purpose of a 4 Point Inspection

Accepted Answer

As homes age, their major systems may experience deterioration, contain outdated components, or develop conditions relevant to insurance underwriting. A Four-Point Inspection evaluates and documents the visible condition of these systems at the time of inspection, identifying observable deficiencies or concerns that may warrant maintenance or further evaluation, while also documenting conditions that appear satisfactory within the inspection's limited scope. These findings provide homeowners with valuable insight into their property's major systems, supporting informed maintenance decisions and homeowners insurance eligibility assessments.

Question 2

When is a Four Point Inspection Requested?

Accepted Answer

These inspections are frequently required for older homes, particularly properties more than 20 years old, and may also be requested when obtaining a new homeowners insurance policy, renewing existing coverage, purchasing a home, or refinancing a mortgage.

Question 3

What Does a Four-Point Inspection Cover?

Accepted Answer

The inspection focuses on four major systems:Roofing System: Roof covering materials, approximate age and visible conditionElectrical System: Electrical panels, wiring materials, service equipment, and visible electrical conditions.Plumbing System: Water supply and drainage materials, water heating equipment, visible leaks, and observable plumbing conditions.HVAC System: Heating, ventilation, and air conditioning equipment, including system type, approximate age, visible condition, and accessible components.

Question 4

What Will I Receive With a Four-Point Inspection?

Accepted Answer

Upon completion of your Four-Point Insurance Inspection, you will receive a professionally prepared Four-Point Inspection Report, completed by a Florida-licensed home inspector and delivered electronically to your email.Your report documents the visually observed conditions of the property's four major systems—roofing, electrical, plumbing, and heating and cooling (HVAC)—along with relevant findings and supporting inspection photographs. Additional documentation may be included when available and applicable to substantiate reported conditions.The completed report is made available electronically once the applicable inspection agreement and payment requirements have been fulfilled.As an added courtesy, Anthem Home Inspections can help simplify your insurance quoting process. At your request and with your authorization, we can send a copy of your completed report directly to your preferred insurance agent or include them in your report-delivery email. This complimentary service helps streamline communication, reduce administrative steps on your behalf, and provide your chosen insurance professional with the documentation needed for insurance quoting or underwriting review.The Four-Point Inspection Report is intended to assist homeowners and insurance professionals in evaluating the property's four major systems for insurance purposes. Final report acceptance, insurance eligibility, coverage decisions, and underwriting requirements remain at the discretion of the insurance company.

Question 5

How Much Does a Four Point Inspection Cost in Florida?

Accepted Answer

How Much Does a Four-Point Inspection Cost in Florida?The cost of a Four-Point Inspection in Florida varies depending on the property, location, and inspection provider. According to Florida's Office of the Insurance Consumer Advocate, standalone Four-Point Inspections typically range from $100 to $300.At Anthem Home Inspections, our Four-Point Inspections start at just $90. We have intentionally established competitive pricing because we believe homeowners should have access to professional, reliable inspection services at a fair and reasonable cost. Our commitment is to provide meaningful value through attentive service, thorough documentation within the inspection's scope, and genuine consideration for those we serve.For homeowners who also need a Wind Mitigation Inspection, we offer both reports for a combined total of $135 when scheduled together at the same property and appointment. Final pricing may vary based on the structure's size, the presence of attached dwelling units, or multi-unit property configurations. All applicable pricing is confirmed during scheduling.Source: Florida Department of Financial Services — Office of the Insurance Consumer Advocate, Four-Point Inspection Guide

Question 6

How Should I Prepare for a Home Inspection?

Accepted Answer

In order to be effectively prepared for your inspector, it is recommended to provide easy access and visibility to the following areas:If requesting a 4-point Inspection:- Full walk around exterior of dwelling- Electrical Panel- Water Heater- Kitchen, laundry, and bathrooms- Air-handler- Recommend Roof to be free of debris prior to inspection occurring- Recommend no obstruction to Attic Access/Scuttle hole- For vacant homes we recommend Water and Power utilities to be turned on prior to inspector arrival (Our team will not attempt to turn on utilities if they are not done so prior to our arrival), we are willing to proceed with inspection either way and will notate if utilities are turned off at time of inspection in our report for your records.- Supporting Documents: Due to insurance underwriting guidelines in the state of Florida it is highly recommended to set aside any documentation related to any of the applicable scenarios prior to your inspector's arrival:- Most recent reroof permit and reroof contract stating materials and installation details for allroofs on dwelling (if applicable)- Full or Partial Home Repipe of Plumbing date (if applicable)- Replacement of Electrical Panel date (if applicable)

Question 7

4 Point Inspection Insurance Limitations

Accepted Answer

Four-Point inspection reports are intended to provide relevant property information for insurance underwriting consideration. Acceptance of the report, coverage eligibility, policy approval, and any applicable premium discounts are determined by the individual insurance carrier and cannot be guaranteed. For questions regarding insurance requirements, coverage options, or potential savings, we encourage homeowners to consult their preferred licensed insurance agent.A Four-Point Inspection is a limited visual assessment of accessible components and does not replace a comprehensive home inspection, building code inspection, or specialized evaluation. Concealed conditions are not verified.

Question 8

Common Reference Names for a Four Point Inspection

Accepted Answer

Four-Point Inspection4-Point InspectionFour Point Inspection4 Point InspectionFour-Point Home InspectionFour-Point Insurance Inspection4-Point Insurance Inspection

Question 9

What Four Point Inspection Form Do You Prepare?

Accepted Answer

Anthem Home Inspections utilizes Citizens Property Insurance Corporation’s 4-Point Inspection Form (Insp4pt 03 25) to document the observable condition of a home's roofing, electrical, plumbing, and HVAC systems for insurance underwriting consideration.

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