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4 Point Inspection

4 point inspection

What is a 4 Point Inspection?

After Hurricane Andrew hit South Florida in 1992, Insurance Companies in Florida have been attempting to encourage homeowners to make their homes safer and reduce the number and costs of insurance claims. Many of the Insurance companies and JUA (Joint Underwriting Associations) now request Four Point Inspections, which often include, but are not limited to:

  • Roof Inspection
  • Electrical Inspection
  • HVAC (Air Conditioning & Heating) Inspection
  • Plumbing Inspection


Inspection Xpress utilizes and adheres to the approved Citizens Insurance Inspection Form exclusively which has been adopted by every Insurance company in Florida to date. The Citizens Insurance Inspection form provides brief, direct responses to all the questions required to satisfy theInsurance industry today. The Citizens Insurance Inspection form is uniformly presented and precise to assist the Insurance brokers with expediting the process to completion. The approvedCitizens Insurance Inspection forms are available Inspection Xpress as a National Association Certified Home Inspector (NACHI).

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Who can perform the 4 Point Inspection and why can’t I fill out the paper work myself?

Are there special forms used for Insurance Inspections, particularly 4 Point Inspections?

Some insurance companies in Florida have forms that may be used for at least one of the 4 Points Insurance Inspection (Electrical). This particular form must include information regarding the age, type and certain elements of the electrical system, which may have high claim ratios. Inspection Xpress employs the use of the approved Citizens Insurance Inspection Form for all Four Inspection Points exclusively. This expedites the process as it requires the expertise of a Certified Home Inspector who can assess ALL four of the required Home Owners Insurance Inspections at one time.

Who can perform the 4 Point Inspection and why can’t I fill out the paper work myself?

The Association of Florida Insurance Companies prefer to use Qualified Insurance Inspectors to complete the 4 Point Inspection. We are able to provide a professional assessment of the Four Points (systems) that must be Inspected. Homeowners may not fill out the Four Point Inspectionform themselves.

Is the Four Point Inspection absolutely required?

There have been reports of hardships maintaining coverage and or acquiring new Insurance coverage in Florida due to the 4 Point Inspection. Some Insurance providers will not cover clients without the 4 Point Inspection. Coordinating all the Trade Professionals is costly. If all four trades had to be hired to conduct the 4 Point Insurance Inspection it would be expensive. We exclusively use the approvedCitizens Insurance Inspection Forms to satisfy the requirements of insurance companies quickly, efficiently and cost effectively. This allows us to offer the 4 Point Insurance Inspection at a reduced cost to you.

I am buying a home in Florida. May I use the Four Point Inspection as a less expensive Pre Purchase Home Inspection?

No. The 4 Point Inspection is not intended for use as a pre sale or pre purchase comprehensiveHome Inspection. Four Point Inspections are intended for your Insurance needs only. The 4 Point Inspection will not contain the type of information you may need to make an informed decision for your home purchase. If you require a 4 Point Insurance Inspection anywhere in Broward or Palm Beach Counties, or you have any questions that were not addressed on this page, please contact us and we will be glad to further assist you.

CITIZENS INSURANCE ROOF INSPECTION CERTIFICATION:

Citizens Insurance now requires Roof Certification Inspections or proof of roof replacement upon renewal for homes of certain ages.
John Kuczwanski of Citizens Insurance states, “The roof is a major source of protection when there are high winds. If a roof is allowed to deteriorate, the entire home and all its contents and even the people inside are vulnerable to storm damage. Insurance is not meant to pay for property damage that is due to normal deterioration or lack of upkeep.”
Proof of roof replacement or a Roof Condition Certification Inspection will be required for homes that are 25 years old and older if it has a shingle roof. Homes with tile or metal roofs 50 years old or older will also be required to have a professional Insurance Inspector complete the Citizens Insurance Roof Condition Certification form. If there is no written proof, such as a signed and approved building permit, Homeowners will be required to have a Roof Certification Inspection or their Insurance renewal may be denied.

WHY USE AN INSURANCE INSPECTOR INSTEAD OF A ROOFER?

Insurance Inspectors do not have any conflicts of interest, where as a roofer may. Some roofers may be tempted to require repairs, and then give an estimate. As Insurance Inspectors we do not do any repairs, customers know their Citizens Insurance Roof Inspection is completely unbiased and fair.
The Citizens Insurance Roof Certification form is different from the Wind Mitigation Inspectionform that is meant to lower a customer’s insurance rate. We strongly recommend that anyone having the Citizens Insurance Roof Inspection also have the Wind Mitigation Inspection if one has not been done recently.
In order to pass the Roof Certification, the roof must not leak, and must have at least 5 years of useful life remaining.

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