4-Point Inspection in Miami-Dade and Broward
Fast, Certified Inspections for Florida Insurance Requirements
A 4-point inspection may be required when insuring or renewing coverage on an older Florida home. Home Inspection Halley evaluates the roof, electrical, plumbing, and HVAC systems and provides a clear, certified report that meets common insurance requirements.
What is a four points inspection?
A 4-point inspection evaluates the four major systems that most affect a Florida home’s insurability: the roof, electrical, HVAC, and plumbing systems.
1. Roof
We evaluate:
- Roof age and estimated remaining service life
- Type and condition of the roof covering
- Missing, cracked, loose, or damaged materials
- Previous repairs and their visible condition
- Signs of leaks, moisture intrusion, or deterioration
Florida insurers closely review the roof because its age and condition can significantly affect a property’s exposure to storm and water damage.
2. Electrical System
We assess:
- Main electrical panel brand and configuration
- Type and condition of the visible wiring
- Breakers, outlets, and accessible connections
- Grounding and bonding of the electrical system
- Outdated, damaged, or potentially unsafe components
Insurers look for electrical conditions that may increase fire risk, including obsolete panels, aluminum wiring, and improper or damaged connections.
3. HVAC System
We document:
- Presence of functioning cooling and heating equipment
- Approximate age and manufacturer of each unit
- Visible damage, corrosion, leaks, or moisture
- Thermostat operation and general system condition
- Airflow through accessible vents and components
Insurance providers want to confirm that the HVAC equipment is operational, safely installed, and maintained without visible conditions that could cause damage.
4. Plumbing System
We check:
- Type and condition of visible supply pipes
- Water heater age, condition, and installation
- Leaks, corrosion, stains, or water damage
- Accessible fixtures, connections, and shutoff valves
- Visible drainage concerns or pressure irregularities
Insurers evaluate plumbing because aging pipes, active leaks, and deteriorated materials may increase the likelihood of water damage and future claims.
Why Do You Need a Four Point Inspection in Miami?
A 4-point inspection can help homeowners meet Florida insurance requirements, avoid coverage delays, and identify conditions that may affect a policy application or renewal. It is especially common for older homes in Miami-Dade and Broward, where insurers often request updated documentation before approving coverage.
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.
4-Point Inspection
Report Sample
See What a 4-Point Inspection Covers
Who Performs Your 4-Point Inspection?
Every inspection is completed by licensed and insured professionals with experience evaluating older Florida homes and insurance-related property conditions.
Our inspectors understand:
- Florida building requirements
- Homeowners insurance documentation
- Roof, electrical, plumbing, and HVAC conditions
- Clear, photo-supported inspection reporting
Home Inspection Halley has completed more than 15,000 property inspections across South Florida, helping homeowners obtain the documentation required for insurance applications and renewals.
Areas We Serve – 4 Points Inspections Near You
Home Inspection Halley provides 4-point inspections throughout Miami-Dade and Broward County, including:
- Miami
- Kendall
- Coral Gables
- Hialeah
- Doral
- Fort Lauderdale
- Pembroke Pines
- Surrounding South Florida communities
Not sure whether your property is within our service area? Contact our team to confirm availability and schedule your inspection.
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 Four Points Inspection Services?
With over 15,000 inspections completed, Home Inspections HALLEY is trusted for accurate, efficient service and clear, insurance-ready reports. 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.
Residential and Commercial Inspections
Tips and Updates for Homeowners in South Florida
Practical advice on home inspections, home maintenance, insurance, buying and selling property in Miami- Dade and Broward.
