4 Point Inspection
in Lakewood Ranch.
Required by most Florida insurers for homes 20+ years old. Roof, electrical, plumbing, HVAC.
A 4-Point Inspection in Lakewood Ranch assesses the four major systems most likely to cause an insurance claim: roof, electrical, plumbing, and HVAC. Most Florida insurers require it for homes 20+ years old before they will write or renew a homeowner's policy. The report documents the age, type, and current condition of each system.
A 4-Point is required on older homes, usually 20 to 30 years or older, though we recommend checking with your insurance agent about your specific carrier's threshold. The inspection focuses on the four systems whose failure is most likely to lead to a costly insurance claim: roof, electrical, HVAC, and plumbing.
It's not a full home inspection. It's a narrow, insurer-focused report. The format is standardized across most Florida insurers, so the same report typically works regardless of which carrier you're going with. If you're refinancing or buying an older Florida home, you almost certainly need one.
Transparent.
No quote forms.
4-Point Inspection $125 when added to a full home inspection | $175 |
4-Point + Wind Mitigation together On their own | $375 |
"Needed a 4-point fast to renew our policy. Joanna scheduled us within two days, did the inspection in under an hour, and our insurance agent had the report on file the same evening."
Common
questions.
- At what age do Florida homes need a 4-Point Inspection?
- Most carriers require a 4-Point for homes 20 to 40 years old, but the exact threshold varies. Citizens, the state-backed insurer, typically requires one at 20 years. Always check with your specific insurance agent before booking.
- Will my insurer accept your 4-Point report?
- Yes. We use the standardized 4-Point format that almost every Florida insurer recognizes, including Citizens, Florida Peninsula, Tower Hill, and the major national carriers writing in Florida.
- What happens if something fails the 4-Point?
- The report documents the condition. It doesn't pass or fail on its own. Your insurer reads the report and decides whether they will write the policy. Common dealbreakers include outdated electrical panels (Federal Pacific, Zinsco, Sylvania), galvanized or polybutylene plumbing, and roofs near end of life.
- How long does a 4-Point take?
- About 45 minutes to an hour on-site. We typically deliver the report the next morning.
- Can a 4-Point be done at the same time as a Wind Mitigation?
- Yes, we do this routinely, and most buyers in Florida need both. Done on the same visit, you only have one inspector appointment to coordinate.
You might also need
Wind Mitigation Inspection
Document hurricane-resistant features. Typically saves 20–45% on homeowner's insurance.
Florida Insurance Inspections
Wind Mitigation + 4-Point inspections required by Florida insurers.
Home Inspection
Full-system inspection with 24-hour digital report, from $450.
Ready to schedule your 4 point inspection?
Book online in under a minute. Same-day report. Call or text Joanna directly at 941-779-4822.