4-Point Inspections

Today’s PHW Inspections Topic: 4-Point Inspection in SW Florida refers to a specific type of home inspection that is typically required by insurance companies before they will provide coverage for a property. The inspection involves a Licensed Home Inspector who examines four main systems of the home, including the:

  1. Electrical system: This includes the electrical panel, wiring, and other components related to the electrical supply and distribution in the home.
  2. Plumbing system: This includes the water supply, drainage, and waste disposal systems in the home, as well as any visible pipes, fixtures, and appliances.
  3. HVAC system: This includes the heating, ventilation, and air conditioning systems in the home, including any visible components and equipment.
  4. Roofing system: This includes the roof structure, covering, and related components such as gutters, downspouts, and flashing.

The purpose of the 4 Point Inspection is to provide insurance companies with information about the condition of these key systems in a home, which can help them determine the level of risk associated with providing coverage. This type of inspection is often required for older homes or homes with unique or unconventional features, as these can pose greater risks for insurance companies.


In Southwest Florida, a 4-point inspection is often required by insurance companies for homes that are 25 years old or older. This type of inspection focuses on four main areas of the home: the roof, the plumbing system, the electrical system, and the HVAC (heating, ventilation, and air conditioning) system.

The purpose of a 4-point inspection is to assess the condition of these key systems and identify any potential hazards or issues that may increase the risk of damage or insurance claims. Insurance companies may require a 4-point inspection before issuing or renewing a policy to ensure that the home is in good condition and does not pose a high risk of costly repairs or claims.

Homeowners, home buyers, and sellers may also request a 4-point inspection to understand the condition of their home’s major systems and identify any potential issues that may need to be addressed.

Additionally, a 4-point inspection may be required for certain types of loans for purchasing or financing options like refinancing. Many insurance companies have required 4-point inspections on newer homes affected by hurricanes prior to renewal or purchase.

It is always best practice to contact your Insurance Company and ask if they will require a wind mitigation report to insure the home you are about to purchase or if they require it for insurance renewal on your existing home.

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