4 Points Inspection Service
Certified Inspections for Insurance, Peace of Mind for Homeowners
Insurance companies require it. We deliver it—fast.
If your home is over 20–30 years old, a 4 Point Inspection may be required to secure or renew your policy. At Home Inspections HALLEY, we provide certified inspections that meet Florida insurance standards—fast, clear, and trusted by major providers.
What is a four points inspection?
A 4 Point Home Inspection is a focused assessment of the four main systems that impact the insurability and risk level of a residential property:
Roof
We inspect:
- The age and estimated remaining lifespan
- Roof covering type (shingle, tile, metal, flat, etc.)
- Signs of damage such as cracks, soft spots, or missing components
- Previous repairs and their condition
- Evidence of leaks or water intrusion (stains, rot, mold)
Your roof is often the top concern for insurers in Florida due to frequent storms and hurricane exposure.
Electrical wiring and panels.
We evaluate:
- The main panel brand and layout
- Type of wiring used (e.g., copper, aluminum, cloth)
- Condition of breakers, outlets, and visible connections
- Grounding and bonding integrity
- Presence of outdated or unsafe components
Insurers are especially cautious with obsolete or recalled panels like Federal Pacific or Zinsco, or homes with aluminum wiring.
VAC (Heating, Ventilation and Air Conditioning)
We document:
- Presence of working A/C and heating units
- Year of installation and manufacturer info
- Signs of damage, leaks, or mold
- Thermostat function and airflow performance
Insurance carriers want to confirm your HVAC system is functional, safe, and properly maintained.
Plumbing connections and fixtures
We check:
- Visible pipe materials (copper, CPVC, PEX, galvanized steel, polybutylene)
- Hot water heater age, brand, and safe installation
- Leaks, water damage, or corrosion under sinks or in utility areas
- Drainage functionality and pressure consistency
Old or degraded plumbing can result in denied coverage or mandatory repairs before insuring your home.
Why Is a Four Points Inspection Necessary?
Insurance companies want to minimize risk—and that starts with understanding the condition of your home’s essential systems. A 4 Point Inspection provides a focused overview of the areas that most impact insurability: roof, electrical, plumbing, and HVAC.
Unlike a full home inspection, this report is not about buyer due diligence—it’s about whether your home is safe, insurable, and properly maintained.
Here’s why it matters:
Older homes come with hidden risks.
If your property is over 20–30 years old, insurers want to verify that your systems are up to current standards and don’t pose a liability.
Insurance companies often require it before writing or renewing a policy.
Especially in Florida, most providers will not bind coverage without a valid 4 Point Inspection.
It helps identify issues before they become costly.
Even if you’re not required to submit one yet, this inspection can reveal concerns you didn’t know existed.
It protects your investment.
A rejected insurance application can delay closings or lead to lapses in coverage. This inspection ensures everything is in order before it becomes urgent.
What’s Included in the Report?
You’ll receive:
- A 4 Point Inspection Report formatted to insurance standards
- A Wind Mitigation Report using Florida’s approved OIR-B1-1802 form
- Clear, high-resolution photos
- Fast turnaround
- All findings explained in easy-to-understand language
Our reports are accepted by Citizens, Universal, State Farm, Tower Hill, Progressive, and more.
Sample Report – See the Format
Curious about what the report looks like?
Our reports are clean, detailed, and formatted for easy submission to your insurer. They include labeled photos, checklists, and all the data underwriters need to make a decision—no confusion, no delays.
Who Performs the Inspection?
All inspections are carried out by licensed, insured professionals with experience in:
Florida’s building codes
Insurance compliance
Roofing, electrical, plumbing, and HVAC safety
Accurate, photo-supported reporting
We bring the tools, knowledge, and professionalism to make your inspection simple and stress-free.
Over 14,000 inspections completed across South Florida.
Areas We Serve – 4 Points Inspections Near You
Looking for a 4 point inspection near me in South Florida? We’ve got you covered.
Miami
Kendall
Coral Gables
Hialeah
Doral
Broward County
Fort Lauderdale
Pembroke Pines
If you’re unsure whether we cover your neighborhood, just reach out. We’re expanding all the time.
Other Inspection Services You Might Need
Home Full Inspection
Commercial Inspection
Wind Mitigation
4 Points Inspection
Roof Inspection
Mold Testing
Lead Testing
Chinese Drywall Inspection
Sewer Line Inspection
Radon Gas Inspection
What Do Our Clients Say About Our 4 Points Inspection Services?
With over 14,000 inspections completed, Home Inspections HALLEY has built a strong reputation for accuracy, speed, and dependable service. Our clients trust us to deliver insurance-ready reports and clear guidance—especially when time is critical.
Have we helped you secure insurance or avoid unexpected home issues?
Share your experience and help other homeowners make informed decisions.
Frequently Asked Questions (FAQs)
Who needs a 4 Points Inspection?
Anyone with a home over 20–30 years old seeking homeowners insurance in Florida.
Does this replace a full home inspection?
No. This inspection only covers four specific systems for insurance purposes.
Can I get a Wind Mitigation inspection too?
Yes. Let us know when booking—we often perform both together.
How long does the inspection take?
About 60–90 minutes, depending on property access.
What happens if something is flagged?
We don’t “fail” homes—we just document conditions. Your insurer decides next steps, and you can make corrections if needed.
Your home deserves the best inspection, we're here for you.
Residential and Commercial Inspections
