4-Point Inspections
What Is a 4-Point Inspection?
A 4-Point Inspection is a focused home evaluation that examines four essential systems in a property: the roof, electrical, plumbing, and HVAC (heating, ventilation, and air conditioning). Unlike a full home inspection, which assesses the entire property in detail, a 4-Point Inspection is designed to give insurance providers a quick snapshot of a home’s most critical components.
At Paw-fect Home Inspections, we provide thorough and unbiased 4-Point Inspections that meet the specific requirements of insurance companies across Florida. Whether you’re purchasing an older home or renewing your coverage, this inspection helps protect both your investment and your eligibility for homeowner’s insurance.
Why Are 4-Point Inspections Often Required by Insurance Companies?
Insurance companies often require a 4-Point Inspection for homes over 20 years old. This is especially common here in Florida, where older construction, coastal weather, and past storm damage raise concerns about a home’s condition. Providers use this inspection to assess the risk of insuring a home before offering or renewing a policy.
Florida insurers want to know that a home’s main systems are up to date and functioning properly. A failing electrical panel, for example, or outdated plumbing, can increase the chance of a claim, something insurance companies want to avoid. With a 4-Point Inspection from Paw-fect Home Inspections, you’ll have the documentation needed to secure coverage with confidence.
What's Covered:
A 4-Point Inspection evaluates the following four systems:
- Roofing System: We assess the age, material, condition, and remaining life expectancy of the roof. Visible damage, missing shingles, or signs of leaking can be red flags for insurers. Florida’s intense sun, storms, and humidity make roof integrity especially important.
- Electrical System: This includes the main panel, breakers, wiring type, and general system safety. Certain panels may cause insurance issues due to known risks. We check for double-taps, outdated wiring, and signs of overheating.
- Plumbing System: We inspect visible plumbing materials (copper, CPVC, galvanized steel, etc.) and assess the system for active leaks, corrosion, and age.
- HVAC System: The inspection covers heating and cooling equipment, ductwork condition, and the presence of central air. We look at system age, maintenance signs, and any obvious deficiencies. Functional HVAC systems are vital in Florida’s heat and humidity.
What Isn't Covered:
A 4-Point Inspection is not a comprehensive home inspection. It doesn’t include cosmetic issues, structural evaluations, insulation, windows, doors, appliances, or the attic. The goal isn’t to report on every detail but to confirm that the four major systems are safe and in working order.
If you’re a first-time buyer or want a more complete picture of a home’s condition, a full home inspection may be the better option. However, when all you need is insurance compliance, the 4-Point Inspection gets the job done efficiently and affordably.
Why Choose Paw-fect Home Inspections?
At Paw-fect Home Inspections, we know what it takes to protect homes in Florida’s unique climate. Our inspectors are licensed, fully insured, and deeply familiar with the construction methods and weather risks specific to Florida.
We pride ourselves on offering:
Florida-Focused Experience
We specialize in Florida homes and understand the specific risks that affect properties in humid, coastal climates. From Orlando to Miami and everywhere in between, we’re familiar with local building standards and insurance expectations.
Fast, Reliable Reporting
We know you're often working with tight deadlines for insurance. That's why we deliver clear, easy-to-read reports within 24 hours, often sooner.
Licensed & Insured Professionals
Our inspectors are fully licensed by the state of Florida and carry insurance for your peace of mind. We approach every inspection with professionalism and a keen eye for detail.
Client-Centered Approach
At Paw-fect Home Inspections, we do more than check boxes, we explain what we find in everyday language. Whether you're a homeowner or a real estate agent, we make sure you leave with confidence in the results.
Ready to Schedule Your 4-Point Inspection?
Need a 4-Point Inspection for your insurance policy? Paw-fect Home Inspections is here to help. We serve homeowners across west-central Florida, including Miami, Broward County, Key West, West Palm Beach, Winter Haven, Davenport, Orlando, and the surrounding areas.
Appointments are flexible, and we’re happy to coordinate with real estate agents or property managers. Contact us today to get started, because every safe home starts with a solid inspection.