4-point Inspections

What is a 4-Point Inspection?

A 4-Point Inspection is a targeted home inspection that focuses on the four main systems that present the highest risk to insurance companies: the roof, plumbing, electrical, and HVAC (heating, ventilation, and air conditioning). Unlike a full home inspection that covers every aspect of a property, this inspection is concise, typically taking one to two hours, and is primarily used for insurance purposes—especially for older homes.

In Florida, where weather extremes and aging housing stock poses added risks, insurance companies often require a 4-Point Inspection before they will write or renew a policy on a home that’s 25 years or older. Calidad Inspections has deep experience conducting these evaluations and understands exactly what insurers are looking for. Our reports are thorough, insurance-compliant, and delivered with the professionalism and promptness you deserve.

At Calidad Inspections, we provide detailed, reliable inspections that meet insurer requirements and help homeowners avoid surprises.

Is a 4-Point Inspection Required?

Florida’s unique environment presents a special set of challenges for homeowners and insurers alike. With year-round heat, humidity, and the constant risk of hurricanes or severe storms, older homes can quickly develop issues that affect safety and insurability. That’s why insurance companies frequently require a 4-Point Inspection to better understand the risk associated with insuring a property.

The inspection helps insurers determine whether the four primary systems of a home are safe, properly maintained, and up to code. If any of these systems are outdated or in poor condition, it could result in higher premiums, a delay in obtaining coverage, or even outright denial.

In many cases, homeowners only discover they need a 4-Point Inspection after applying for a new policy or receiving a renewal notice that includes the requirement. Whether you’re buying a new home, changing insurance carriers, or renewing your current policy, our team at Calidad Inspections is here to help you navigate the process.

What Does This Inspection Cover?

Each part of this inspection is documented thoroughly, with findings clearly laid out in a report accepted by most Florida insurance carriers. A standard 4-Point Inspection includes a detailed review of the following components:

Roof – Inspecting for leaks, age, condition, and type of material.
Electrical System – Evaluating wiring type, panel brand, breaker functionality, and grounding.
Plumbing System – Assessing supply and drain lines, visible pipe material, and potential leaks.
HVAC System – Checking the age, condition, and functionality of heating and cooling units.

Even if the system is older, it may still be insurable if it’s in good working order.

What isn't covered in a 4-point inspection

It’s important to understand that a 4-Point Inspection is not a complete home inspection. It is limited in scope and designed solely for insurance underwriting purposes. It does not include:

If you’re in the process of buying a home, we strongly recommend scheduling a full home inspection alongside this inspection. That way, you’ll get a complete picture of the property’s condition—not just the elements required by your insurance provider.

Why Choose Calidad Inspections

At Calidad Inspections, we blend precision with professionalism. Our inspectors are fully licensed and familiar with Florida’s insurance requirements. You can count on us to:

Deliver fast turnaround times on reports

Use high-resolution photos and digital reporting

Maintain strong relationships with major insurance carriers

Offer responsive support to answer your questions

Schedule Your 4-Point Inspection

Need a 4-Point Inspection to satisfy insurance requirements? Don’t delay. The sooner you get the inspection done, the faster you can finalize your policy and protect your investment.

Calidad Inspections is here to make the process smooth, efficient, and stress-free. Call us today or use our simple online booking tool to schedule your inspection in Fort Lauderdale, Hollywood, Pembroke Pines, Plantation, Coral Springs, Davie, Boca Raton, or any of the surrounding areas in South Florida.