Four Point Inspections
A 4point inspection is a focused evaluation of a home’s four major systems:
- Roof – assessing type, age, condition, leaks, and visible damage
- Electrical – checking wiring type, panel condition, and grounding
- Plumbing – examining pipes, fixtures, water heater, and leaks
- HVAC – inspecting heating/air-conditioning age, function, and signs of wear Public+10www.weshopinsurance.com+10Stone Building Solutions+10
Unlike a full home inspection, this one zeroes in on these systems—the key risk areas for insurer liability Rocket Mortgage+2InterNACHI®️ Forum+2www.weshopinsurance.com+2.
Why It’s Required in Florida
For homes over 20–30 years old, most Florida insurers (including Citizens) demand a current 4point inspection before issuing or renewing homeowners insurance Wikipedia+11www.weshopinsurance.com+11Stone Building Solutions+11.
Hot, humid weather, salt air, and frequent storms accelerate wear on major systems—especially roofs, electrical, and plumbing Public+6HH Insurance+6Stone Building Solutions+6.
Older homes pose higher risk due to outdated electrical panels (like Federal Pacific or knobandtube), polybutylene plumbing, or roofs past code—red flags insurers want addressed HH Insurance+6www.weshopinsurance.com+6Rocket Mortgage+6.
Service Areas
Tampa, St. Petersburg, Clearwater, Brandon, Wesley Chapel, Lakeland,
Riverview, Palm Harbor, Dunedin, Largo, Seminole, Pinellas Park, Tarpon Springs, Plant City, New Port Richey